<p>For us, the best way to go appears to add a rider on our homeowners policy. We can add specific coverage for our son’s new MacBook Pro (value = $2,000) for $30/year with no deductible. This covers accidental damage, theft, etc. Everything is his dorm will technically be covered by our regular policy, but we have a $1,000 deductible. With him having a laptop at college we thought a no-deductible policy would be a good way to go.</p>