Does home contents insurance pay for laptop damage?

Unfortunately, a mishap happened to me, a cup latte macchiato is tilted over my laptop; After a few seconds, the device had switched off - probably short circuit?

Does my home insurance cover the damage or are devices such. Ex. Personal Computer, Notebook, Tablet and Smartphone except?

Of course, such devices are also insured. After all, they belong to the household contents.

But of course, this damage is still not insured, as it was not caused by an insured risk (fire, tap, storm, hail, burglary).

Devices such as laptop, etc. Are indeed insured in the household contents insurance, but only against certain dangers. And these are storm / hail, tap water damage, fire / fire and burglary.

The risk of latte macchiato spillage is not covered.

No, is not insured over the household, because of own fault!

It would be different if your visit had tipped the coffee over it. Then his liability insurance would pay for the damage - if it was a mishap and not on purpose (which has to be explained).

Also own negligence is generally insured in the household insurance, so that is not the correct reason why there's no insurance.