Best annual travel + phone insurance?

Insurance? for laptop without getting home insurance?

• I'm worried my brother hasn't as of yet insured his expensive laptop. What would work out more economical in the long run please: Content insurance but as a student he keeps moving, so all he wants to insure is his Laptop,mobile and passport both when it's in the house but also when traveling in the UK and abroad? (some policies like Barclays Gadget insurance make it almost impossible to make a claim ie: you can only claim if there's been a forced entry or if the Sim card is still in the phone whilst traveling. Well he lives with 8 other students and the landlord doesn't provide home isnurance in the contract, people are comming in and out of the house any one could take it from his room and the landlord won't allow him to put a lock on the door. If he's traveling abroad he will use a different SIM so... If he buys yearly travel insurance most only cover a single item up to £400, his laptop is an Applemac. Which would cover an expensive item without charging a monthyly fee above £10 per month? Stupid question but is it possible to jsut get content insurance for one room instead of Home insurance? Gadget Insurances seem pretty expensive and a lot of them don't cover the full spectrum of problems, stolen laptop whilst unattended in a hotel, lost, accidental damage even if the item is over a year, Thoughtbubble never even replied to his email enquiry. Bank insurance, they are limited and have similar policies such as above. Natwest have the advantage Gold and home contents insurance but it works out at £12 per month and his iphone won't be covered as phones have to be under £100. I don't have home insurance so he can't use ours. Please what else could he consider and no he's not giving back the gadgets and he is very careful but anything can happen. Would help to get some proper advice as even his bank Halifax didn't cheers

• Answer:

  The closest policy that would match his needs is a Tenant's/Renter's policy. Keep in mind such a policy might not cover spills, drops, scratches to the screen and some may not cover mysterious disappearance (i.e. theft without visible signs of forced entry). Your brother will have to speak to a broker/agent and ensure that the policy specifically covers these perils before he purchases the policy.