Gaming isn’t just a hobby anymore — it’s a career, a lifestyle, and a high-investment ecosystem. Whether you’re a content creator, streamer, esports athlete, or gaming café owner, your expensive gaming gear is your lifeline. But what happens if it gets damaged, stolen, or lost?
That’s where gaming equipment insurance comes in.
In this blog, we cover the best insurance plans available in 2025 for PCs, consoles, streaming gear, and esports pros.
🎯 Why Do You Need Gaming Insurance?
- 💻 You own a gaming setup worth ₹1–5 lakh / $1000–$5000+
- 🎧 Expensive headphones, mics, capture cards, and streaming cameras
- 🧳 You travel to tournaments and LAN events
- 🔌 Equipment downtime = revenue loss for pros/streamers
- 🔥 Fire, theft, electrical surge, or accidental damage can occur anytime
🏆 Best Insurance Providers for Gaming Gear (2025)
1. Gadget Protect (India)
- Coverage: Desktops, Laptops, Consoles, Monitors, Headphones
- Premium: Starts at ₹3,000/year for gear worth up to ₹1.5L
- Covers: Accidental damage, fire, theft, liquid damage, surge
- Pros: Easy online claim; cashless repair network
- Best For: Indian streamers and PC gamers
2. Worth Ave Group (USA)
- Coverage: PCs, Consoles (PS5, Xbox), VR gear, controllers, drones
- Premium: ~$60/year for a $1500 device
- Covers: Theft, drops, spills, power surge, vandalism
- Pros: No deductible for some items; worldwide coverage
- Best For: U.S.-based gamers, esports travelers
3. SquareTrade (Backed by Allstate)
- Coverage: Consoles, PCs, tablets, monitors
- Premium: $49–$99/year depending on item value
- Covers: Mechanical failure, accidents, surge, breakdown
- Add-ons: Theft protection, 24×7 support
- Best For: Gamers who buy from Amazon/Walmart
4. AKKO Insurance (USA/Canada)
- Coverage: All personal electronics under one plan
- Premium: $15/month (covers $2,000 worth of gear)
- Covers: Accidental damage, theft, breakdown
- Pros: Covers 1 main + 25 additional devices (keyboard, chair, etc.)
- Best For: Full-time streamers, creators, tech influencers
5. HDFC ERGO Portable Electronics Insurance (India)
- Coverage: Laptops, tablets, consoles
- Premium: ₹2,000–₹4,000 per year for ₹1 lakh cover
- Covers: Theft, accidental, fire, electrical damage
- Claim: Cashless repairs and door pickup in metros
- Best For: Indian gamers with mid-range setups
🎮 Esports-Specific Insurance (Team / Tournament Level)
Esports teams and tournament organizers often require:
- Public liability coverage
- Travel and transit insurance
- Player health & accident cover
- Gear & inventory protection
Popular Providers:
- Allianz Esports Event Coverage (Europe/Asia)
- Next Insurance (USA) – For teams/small esports businesses
- Marsh Gaming & Esports Coverage (Global)
🔍 What to Look for in a Good Gaming Insurance Plan
| Feature | Importance |
|---|---|
| Accidental damage | ✅ Essential |
| Theft/burglary | ✅ Must-have |
| Electrical surge | ✅ Often ignored |
| Worldwide travel cover | 🎯 For esports pros |
| Claim process ease | 🚀 Critical |
| Multi-device support | 🎮 Gamers’ need |
💰 Is It Worth the Money?
Yes — if your gear is worth ₹1 lakh+ or $1,500+, even one accident can wipe out your setup. For a small premium, you protect your investment and your income.
