The coffee tips over the keyboard, the MacBook falls off the table – and suddenly you're facing a hefty repair bill. The question: Will my insurance cover this? We explain which insurances help with water damage and display damage – and what you need to watch out for.
Does Home Contents Insurance Cover Such Damage?
⚠️ Home Contents Insurance: Usually No Protection
A standard home contents insurance typically does not cover self-inflicted damage such as display breakage, liquid damage, or drop damage to MacBooks or iMacs. Even so-called all-risk insurance often contains exclusions for electronic devices.
Which Insurances Really Help?
For real protection, you need a device insurance or electronics insurance that specifically covers Apple devices. These are offered:
📱 Device Insurance: Real Protection
- directly at purchase through the manufacturer (e.g., AppleCare+)
- or through third-party providers like Wertgarantie, Friendsurance, or simplesurance
They cover – depending on the plan – damage from liquids, breakage, drops, theft, short circuits, power surges, or even data loss.
Important: When signing a contract, pay close attention to exclusion clauses, deductibles, maximum reimbursement limits, and the term.
What If Someone Else Damaged My Device?
If your MacBook or iMac was damaged by another person – for example, through spilled coffee or a drop – their personal liability insurance may cover the damage.
⚖️ Liability Insurance: This Is Important
- Get the person's contact details and insurance number
- The person must report the damage to their insurance themselves
- You'll receive a cost estimate (KVA) from us that the insurance needs
- Only commission the repair after written approval from the insurance
Attention: Liability insurance pays only for negligence, not intent – and also only if the person admits to the damage.
Our Advice on the Right Approach
✅ Step-by-Step Guide
- Have your device assessed by us for free.
We'll create a non-binding cost estimate (KVA) with damage description and repair costs. - Then contact your insurance
– or ask the person responsible to involve their liability insurance. Forward the KVA and clarify in writing whether and to what extent the costs will be covered. - Only commission the repair after written approval.
This way you don't risk being stuck with the costs. - On request, we'll send the KVA directly to your insurance
or support you with communication.
Legally Important Notes
⚖️ Legal Specifics
- Duty to mitigate damage: Don't wait with water damage. Corrosion spreads quickly (§ 82 VVG).
- No self-repair: Repair attempts can lead to rejection by insurers.
- Observe deadlines: Claims often expire after 3 years (§ 195 BGB).
- Data protection: Secure your data before sending. Content may become visible during analysis.
- Certified repair: Many insurers require repair by specialists – SADAGHIAN meets these requirements.
📋 Other Important Points
- Expert opinion possible: On request, we provide an official expert opinion for a flat fee (creditable against repair).
- No guarantee of reimbursement: The decision on cost coverage always lies with the insurance.
- VAT regulation: For business customers, insurance may exclude VAT.
- Warranty vs. insurance difference: Warranty is a voluntary service from the manufacturer – insurance is paid protection with often broader coverage.
Our Service in Hamburg
Whether display damage or water damage – we help you quickly and easily with:
🛠️ Our Service Offer
- free initial assessment
- non-binding cost estimate
- direct communication with insurers on request
- professional, documented repair
- insured return shipping throughout Germany
📍 Contact & Opening Hours
📍 Address: Leverkusenstraße 3, 22761 Hamburg – Altona
📞 Phone: 040-228643240
📩 Email: [email protected]
🕙 Opening hours: Mon–Fri: 10:00 AM – 7:00 PM
📦 Shipping: via DHL possible
💬 WhatsApp: Consultation available