<p>Not a response to the OP’s question, but given ForeverBlue’s post, pertinent, I think:</p>
<p>Check your home owner’s policy. We found that, for a very low price, we could add our and our son’s laptop as “personal articles.” I’m thinking it was $18/yr. You are covered for damage and theft. I think we have a $50 deductible. When S’s computer screen cracked after an incident with a renegade soccer ball in his dorm room(!) he was covered.</p>