Take a look around your home. Can you see a computer or laptop, a mobile phone, a games console? Chances are you're reading this on a tablet.
And do you have a GPS tracker when you're out running?
But one thing's for sure - they're not cheap. With top-end laptops costing £2,000+ and smartphones running into the hundreds of pounds, replacing these items when they get stolen, lost or accidentally damaged can really hurt your wallet.
So how can you make sure your gadgets are insured wherever you go?
Gadget insurance away from 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.
Home contents insurance covers your gadgets when you're at home, but half the gadgets we have are designed to be portable.
Specialist gadget insurance
- There may not be a limit on a payout for each item
- An emergency replacement may be part of the deal
- You may not need to pay an excess
Insuring your gadgets with accidental damage cover and personal possessions cover through your home insurance can be more affordable
What LV= offers
- Accidental damage cover for laptops, games consoles and tablets
- £1,000 cover for music and film downloads
- New for old replacement cover
- Optional personal belongings cover for gadgets away from home
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