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Worldwide coverage, accidental damage, theft, and how gadget insurance overlaps with renters and homeowners policies.
Standard renters and homeowners policies cover laptops, cameras, drones, and other gadgets — but only with major caveats. Off-premises theft is usually capped at $1,000-$
If you travel with a laptop, DSLR, or tablet, gadget insurance fills the gap your homeowners policy leaves.
How gadget insurance premiums are calculated in 2026, plus seven levers you can pull right now to lower your annual cost without dropping coverage.
A complete 2026 guide to gadget insurance coverage limits: what each number on your policy means, how to size them to your real exposure, and the gaps most buyers miss.