My Laptop And Luggage Came Up Missing On A Recent Airline Flight. The Airline Will Reimburse The Lost Luggage But Not The Laptop. Will My Home Policy Cover?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jul 16, 2021

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Airlines are subject to legislation that allows them to limit their liability for loss. This type of loss is covered under most insurance policies. As with other categories of personal property, however, there may be limits on the amount of coverage.

If you have a laptop computer or cell phone that you bring with you while you travel, consider the purchase of a rider to your homeowner’s or renter’s insurance to cover the item’s full value. Also, remember that purchasing the computer with a credit card can sometimes provides coverage for theft of items purchased with the card. Just be aware that theft coverage for items purchased by a credit card are likewise subject to certain exclusions. If your laptop or phone is from your business, your employer’s business insurance should cover it.

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