My laptop is just covered through my home owners policy. I think the age deduction is 25% per year of ownership, so if I put down 2000€ in a laptop and it gets

My laptop is just covered through my home owners policy. I think the age deduction is 25% per year of ownership, so if I put down 2000€ in a laptop and it gets stolen after two years, I should be getting 1125€ minus 150€ deductible for it. It is definitely less than what I paid for it, but a) the laptop was no longer worth 2000€ b) it definitely helps when getting a replacement c) since it's part of my home owners insurance, it doesn't cost me any extra per month.