Just to make the point that laptops are everywhere these days, we recently read about this homeless man who is the proud owner of what looks like a Dell Inspiron.

Tom Sepa is also in possession of a tent and a job as a telemarketer (using his mobile phone and head set from an internet cafe), but the San Francisco native shuns the label of ‘tramp’ and does not even consider himself to be homeless.

Owning a guitar and an iPod, as well as laptop and mobile phone, Mr Sepa would ideally take out an inclusive gadget insurance policy – Unfortunately, not having a permanent address means that taking out a policy might be difficult and if I owned an insurance company, I’m not sure I’d consider Sepa’s late model Chevy to be a safe home for any gadget.