Laptop insurance to recommend?

I have a laptop that I bought a few months ago. And now I wanted to insure it online, unfortunately I have no experience with something like that and wanted to ask if something like that is recommendable. For example, I found this page: https://buchung.hepster.com/laptop-versicherung#details

is there really insured on everything there? What does a fall mean, for example, in which situation does the insurance cover my laptop if it falls? I would be very happy to receive informative answers.

If the laptop did not cost more than a thousand euro, insurance is not really worth it. Unless you have super important data on it.

Better put 20 euro a month in a box, you have more of it.

So it's a 1200 euro Surface Pro 7 and I don't know 52 euro a year I actually think it's good, but I have no experience with something like that.

You must be aware that insurance companies essentially redistribute risks. Many pay into a pot, so that in the event of an emergency, individual damages can be paid for. Since the insurance company itself always takes a certain amount out of the pot (they want to earn something with it), it is ultimately a losing deal for all depositors.

Nevertheless, insurance can make sense if the damage amounts can be very high, but occur very rarely. One example is private liability insurance. If a person dies due to your fault or is restricted for life, several million damages can come together and drive you into financial ruin. However, since such a thing happens very, very rarely, the insurance premiums are manageable and therefore worth protecting.

Such equipment insurance is now quite the opposite. Damage occurs frequently, but is only a little expensive (you don't get a new device, but an equivalent, mostly used device or it is repaired). You can probably take the risk yourself by going a little bit back each month instead of feeding an insurance company with it.

In addition, such device insurance usually requires that you treat the devices like a raw egg. The effect should not be that you now use your device completely carefree, since it is finally insured. Otherwise the insurance would be bankrupt after a few days. You are welcome to read the exclusion criteria on the website.

You carry the laptop around under your arm and it falls down? Well, probably not a suitable transport packaging.
Are you showing pictures at a party and your laptop tipping over? Could it be because of your lack of coordination ability because you had a few beers? Well, damage caused by alcohol or drug use is unfortunately also excluded.
Your laptop is not securely on the table with all rubber feet and then tips over? Well, it's probably not an intended use. It is said somewhere in the instructions that the laptop must always have a secure footing on a solid surface.

And so it goes on. In short: it is only insured if you use it in such a way that nothing can actually happen. Well, and then nothing happens. But this is the only way to offer such prices for such insurance. If you roughly extrapolate this, the insurer expects that you will only experience a claim that is regulated every 20 to 40 years on average.