Thanks, @thumper1.
I agree it’s not a good idea to claim on our homeowner’s insurance.
I just got a property-only policy with a low deductible and annual premium that covers Ds electronics, bike, and clothes, etc. for theft, damage, or loss. It also covers accidental damage like dropping a phone in the sink, screen cracks, etc.
We had an issue with water damage to a laptop while on a college tour and just before essay season started. This policy would have covered that, among many other things.