As the name implies, home contents insurance covers your gadgets when you're at home. But half the gadgets we have are designed to be portable, so we take them out of the home.
In insurance terms, this opens up a whole new level of risk. Therefore, you might consider taking out additional insurance if you want to insure your gadgets away from home.
This type of insurance is often known as personal possessions insurance
or personal belongings insurance.
It covers you against loss or damage to your laptop, smartphone, smart watch or tablet while you're out and about. You may even be covered when you're in another country. Handy for holidays or work travel.
Again, you'll need to check if there are any limits on the amount paid out for each individual item.