How do you insure your Macbook?

I purchased a extra protection plan through my home owners policy (State Farm) that covers accidental damage, theft etc. for $37/year. Starting my second year of policy coverage and now the price is lower $29. Nice price for peace of mind knowing my investment is covered, especially for accidental damage.

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The only non-home owner insurance company I know that will do this is:

http://www.safeware.com/

The only thing I don't like about SafeWare is the fact that it is a Florida firm that underwrites the policy. Call me old and cynical...but scores of crooked companies base themselves in Florida. The company that underwrote the extended warranty for a new car purchase a few years ago was based n Florida. They were gone by te time I needed to use their services.

I just went to SafeWare, and for me in California, their policy for $3500 in a laptop was $210 for the first year's coverage. You have the capability to download a sample policy before cmmitting to them.

To the original poster: Instead of buying a policy for two hundred bucks to merely cover your clumsiness, I would suggest you purchase a GOOD carrying case (Brenthaven or better), as well as the clear plastic cover that Speck Products offers (fifty bucks). If you travel a lot, buy a spare MagSafe power supply, too. hese three items will cost just about the same as this insurance policy from Florida.

But if you must cover all bases, go back to your homeowners nsurance agent, and ask them to research ths type of coverage for you. (If you are an amateur radio operator, there's a great program available through the American Rado Relay League (ARRL).)

I have had a renters policy with USAA for many years (they're in Texas, if that means anything). They cover accidental damage to my computer and other valuables.

I dropped my second Powerbook and it had a small dent. The computer had a couple of problems that developed before it had been dropped, a problem with the super drive and a problem with the display.

I feared that the extended AppleCare plan wouldn't cover the drive and the display because the dent showed there had been some trauma, even if it happened after the problems developed.

I called USAA to ask if the computer was covered for damage caused by my dropping it and they said yes, just file a claim.

I shipped it to Apple, because before i could make a claim with USAA i needed to be sure AppleCare wouldn't repair it, and i needed a repair cost estimate. But AppleCare did repair the drive and the display so i never had to file an insurance claim. But the coverage is there if i need it.

MBP 2.16 15" 1Ghz,PBG4 1.5Ghz 12"512MB 80GB, PBG4 1Ghz12" 768M 80G Mac OS X (10.4.9) AirportXreme,AirportXpress,iPod,iBook12"dualUSB

What do the rest of you do to insure your investment

I have mine on it's own 'global roving' policy (as an extension to my home and contents) that covers any kind of loss or damage, anywhere, with no excess.

Yeah, I have that as well for my Macbook Pro. It's an extra hundred or so per year, but it's good for piece of mind.

What do the rest of you do to insure your
investment?

I know this doesn't help out your situation, but since Best Buy is starting to carry Mac's (in over 300 stores), I'm buying one in the next two weeks with an Accidental Damage Service Plan. For my 2500 Macbook Pro, a 3-year Accidental Damage Service Plan costs like 475 dollars. It covers:

-Everything the Manufacturer warranty covers
-One-time battery replacement
-Hardware/software diagnostics (normally $59 through Geek Squad)
-Normal Wear/tear, Dust/heat/humidity
-Up to 2 cracked screens (which would fulfill the plan)
-Drops/spills (accidental only, doesn't cover submersion)
-No Lemon Policy (if it requires 4 hardware repairs, the 4th visit to the service center would end up in a replacement unit)

I'm pretty excited... 8)

The only thing I don't like about SafeWare is the fact that it is a Florida firm that underwrites the policy. Call me old and cynical...but scores of crooked companies base themselves in Florida.

I don't believe that Safeware's one of them, though. My university has been referring students and faculty to them for years, and I've never heard any complaints. YMMV. Homeowner's insurance can usually provide a better rate, though.