I’m not sure if this is a Danish thing, but here you can add an electronic appliance insurance to your regular “indboforsikring” which is the policy form that covers your home and all the shit in it.
They come in various forms, but mine covers anything from throwing a wii controller into a TV to losing your laptop in a bag or having it stolen. It also covers all family members and is $80 a year.
It does require you to pay the first $230 of damages, so it’s not very useful to protect smartphone glass or other small damages, but it covers all the big stuff and it makes “do you want to buy extra insurance for your appliance” really easy to answer with a no.
Also common in Australia, part of what we call Home contents insurance”, which covers all the items in side* your home and is seperate from the building insurance itself.
Here, too, some more expensive items and personal electronic devices (phones, laptops) are not part of the basic home contents insurance policy options but can be added for a small additional annual fee similar to what you have indicted, and they’ll usually want to know if any of those devices or items exceeds a specific value ($2000 last time I checked) and lost them on the policy.
Hehe, we have something similar did bicycles where insurance gets really expensive if you have a bike valued above $2300.
I sort of get why too. I had an early long distance ebike, that cost me $3000 that I didn’t buy the extra insurance for because I always locked it in the basement. The one afternoon I didn’t, it got stolen. Right outside our apartment building in plain view of like 120 apartments, and basically in the middle of the university of Aarhus where we have security patrolling the roads every 30 minutes, a 23kg bike got stolen. :p
Anyway, the police and insurance process was basically a webworm that told me directly that the police wouldn’t spend time on it and then paid me my insurance money right away after I signed in with our national ID. When it’s sort of a free crime to steal bikes, it makes sense that insurance is hefty. On the flip side, I guess expensive MacBooks are stolen less often in Denmark than in Australia.
Also my Finnish credit card had surprisingly good protection knocked my 150€ external HDD of desk resulted in usual knocking sound, made claim and got about half that back. So there is other options that cover, not often looked at.
They come in various forms, but mine covers anything from throwing a wii controller into a TV to losing your laptop in a bag or having it stolen. It also covers all family members and is $80 a year.
It does require you to pay the first $230 of damages, so it’s not very useful to protect smartphone glass or other small damages, but it covers all the big stuff and it makes “do you want to buy extra insurance for your appliance” really easy to answer with a no.