Check with your employer to see if the items you lost are covered. You may be surprised to learn that some employers don't insure the high-tech gadgets (e.g., laptops and cell phones) they provide to employees. If your employer (the equipment owner) has insurance to cover such losses, the company's policy is primary—it pays first. If the company did not insure these items, contact your insurance agent to see what (if any) coverage you have available.Your standard home insurance policy may not cover items such as laptops and cell phones, particularly if they are primarily used for business. If you do have coverage, a $250 limit often applies to business equipment stolen off-premises. If you want to adequately insure these items, most insurers require that you add a business rider to your policy. Another option to consider is a separate computer policy for your high-priced laptop. If you depend on your laptop and it's lost or stolen, the additional premium may be worth it.