Hey A New Bike,
$0 deductable with State Farm. You can insure laptops, or other expensive electronics such as DSLR cameras & lenses.
Anything happens to my laptop? I get a brand new one, free of charge. I do also have regular AppleCare on my laptop, for 2 reasons. 1) because if I plan on selling it before 3 years, it helps keep the retail value high (buyers have peace of mind when they get an Apple product with AppleCare that if anything is wrong at all, it can be fixed free of charge); 2) If I ever have any minor issues or mechanical defects with my laptop, rather than waiting for State Farm to deal with it and send me a check while I have no laptop, I can go into any Apple store for instant resolution — however, I could always "pretend to lose" the laptop or purposely drop and break it so State Farm would cover it and save me the $ on AppleCare, but State Farm has been good to me and I only prefer to use their insurance if I have to.
AppleCare+ covers my iPhone and iPad — State Farm doesn't insure iPads. AppleCare+ covers everything except loss/theft, and I almost always have my iPhone on me, and usually my iPad so I'm not as concerned about this. ($49 deductable to replace with a brand new unit, but it's already paid for itself on the iPad, plus gives me peace of mind — I depend on and treat apple hardware as easily replaceable and swappable units, if one breaks I instantly get a new one and restore from the cloud and am back and up running in minutes).
Since my laptop/phone/tablet is such an integral tool and part of my workflows, the peace of mind and ability to get them instantly repaired basically worldwide is why I have outside insurance.
Other than my laptop & iDevices, I don't insure any other items (other than the required auto/homeowners insurance).
Hope that helped! Let me know if you have any more questions.