Is my laptop covered on a business trip?

Personal use yes; employer-owned equipment no.

Bag stolen at a cafe?

Renters Insurance: Theft Away from Home (US)

Personal property is covered worldwide, usually at 10% of contents limit off-premises. Higher on standard forms.

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The short answer

HO-4 renters policies cover your belongings worldwide, subject to a 10% off-premises sub-limit on standard forms (some carriers offer 100%). Laptops, phones, and cameras stolen from a car, hotel, or gym all qualify. Police report required within 24–48 hours.

Frequently asked

Is my laptop covered on a business trip?: Personal use yes; employer-owned equipment no.

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Stop guessing. Check your actual policy.

Generic answers don't pay claims. PolicyPal reads your policy wording in seconds and tells you, in one sentence, whether you're covered.

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