2 Laptops - neither my fault
Years ago my wife managed to spill hot tea in my Macbook. It failed immediately and after a stripdown and dry out I only had to replace the wifi card and it has been fine since.
While she was away once with her laptop, my then toddler spilt water over it. This time we could not revive it. I called up the insurance company saying was my laptop covered for damage in the home to which they replied - no it is only covered outside the home - I felt that saying 'Oh it got damaged outside the home' at that point somehow would not wash, although completely true.......
We sold the damaged one for a couple of hundred and bought a refurb.
We're still married.