<p>We might be talking about 2 different kinds of insurance here. One is a specific policy that many of the computer companies (i.e. Dell) offer when they sell a laptop. The other is a homeowners policy that covers property even for kids away at school. Homeowners insu. would probably cover liability, were she to have tripped and fell and injured herself. The computer warrantee would not.</p>
<p>A word of WARNING to the OP. I wouldn’t have your daughter correspond with this guy via email, as what she writes could be taken as a confirmation of assumed partial liability/guilt or partial willingness to pay (attorneys out there- please comment). I recommend cellphone (no voicemail msg other than “please call me to discuss situation”). Just cover yourself.</p>