Laptop computers can be carried in backpacks and satchels that do not always provide the kind of protection that the computer requires. As such, laptop computers can experience accidental damage when books and notebooks are placed into the bag that is also carrying the laptop. The computer can also be damaged when the bag is accidentally dropped on the ground because the owner forgets it was in there.

Laptop insurance will cover accidental damage as long as the monthly premium payments are made. If the owner has experienced damage and needs to submit a claim, the insured will need to submit the excess fee in order to have the computer repaired or replaced.