8 Replies Latest reply: Apr 19, 2007 3:36 PM by Anthony Donnelly
Jamie Land1 Level 1 Level 1 (15 points)
I'm not sure where to post this question, so forgive me if I'm in the wrong area.

I have a new MacBook Pro arriving tomorrow, and I also purchased AppleCare. I plan on using the MacBook Pro on the road, and I also have a 2 year old running around the house... With this in mind, is there any kind of accidental damage coverage I can get? My understanding is that AppleCare is for hardware issues and support only. My homeowners insurance people are telling me that I need a manufacturer extended warranty that'll cover accidents, but I don't see such a thing from Apple.

Any ideas would be much appreciated! Thanks.
  • 1. Re: Accidental damage coverage?
    Rajesh Sharma Level 4 Level 4 (3,730 points)
    I'd say that is exactly what homeowners insurance is for. I'd try them again or another insurance company. You may just have got someone who didn't know what they were talking about - sometimes you have to tell them if a particular item in your home is of a certain value - you may also want to take a look at the wording of your policy.

    It's not something manufacturers usually get into - it's not as if they have the tools to work out the risk/premium ratio - insurance companies do.

    Best of luck
  • 2. Re: Accidental damage coverage?
    Templeton Peck Level 9 Level 9 (58,245 points)
    "My homeowners insurance people are telling me that I need a manufacturer extended warranty that'll cover accidents"

    Not entirely true. While some computer makes to offer them, Apple does not. So you need to inquire about a personal articles policy through your insurance agent.

    It's the same type of policy that one my take out on jewelry or something else really expensive. I have such a plan through State Farm on both my wife's engagement ring and my cell phone.
  • 3. Re: Accidental damage coverage?
    Anthony Donnelly Level 2 Level 2 (330 points)
    There are companies such as this one that provide accidental damage protection.

    http://www.safeware.com/

    I can't say I have ever had any experience with them. You might want to do some research on similar companies and see if you can get some feedback on how easy they are to deal with, how well do they pay on claims etc.
  • 4. Re: Accidental damage coverage?
    iVmichael Level 6 Level 6 (13,725 points)
    I have this MacBook as a 'named item' on my home contents Insurance policy, full global accidental damage/loss for AU$70 a year.
  • 5. Re: Accidental damage coverage?
    Anthony Donnelly Level 2 Level 2 (330 points)
    Sorry for my ignorance in regards to conversion rates, but if I have it right it is around $60US or so? If so that is a really nice rate.

    I have way to many computers, printers, monitors etc. to cover them all without my premiums going through the roof, but I have often thought about at least covering my laptop. I may give a call just to see what coverage limits I can get on specific pieces of equipment.
  • 6. Re: Accidental damage coverage?
    iVmichael Level 6 Level 6 (13,725 points)
    AU$70 = US$58.47 - it's a good rate as it was an addition/extension to an existing home contents policy (and they have my house policy) so it was discounted by 15-20% I think.
  • 7. Re: Accidental damage coverage?
    Anthony Donnelly Level 2 Level 2 (330 points)
    AU$70 = US$58.47 - it's a good rate as it was an
    addition/extension to an existing home contents
    policy (and they have my house policy) so it was
    discounted by 15-20% I think.


    Very nice! Much better than what those independent companies want. I am going to have to place a call to my insurance company and see if their rates are comparable.

    Appreciate the info!
  • 8. Re: Accidental damage coverage?
    iVmichael Level 6 Level 6 (13,725 points)
    Good Luck