On a recent trip, I learned a valuable lesson. Most airlines won’t reimburse you for electronics if they’re in a checked bag that gets lost.

How did I find that out?

When I arrived at the Southwest ticket counter at SeaTac Airport, I had three items – my purse, a bag of Christmas presents, and a small carry-on bag with my computer in it – plus a bag I was going to check.

Since I hadn’t traveled for a while, I was fuzzy on the procedures. I also was out of breath after wearing my N95 mask and dragging my heavy suitcase and other items across the sky bridge from the parking garage.

The Southwest ticket agent seemed irritated with me and was rude. She explained I could only take two items on the plane so I’d either need to consolidate my three items or check my carryon. Southwest allows you to have two bags for no cost, she said, so there would be no charge for my carryon.

Since my Christmas gifts were delicate, I was worried consolidation would damage them, so decided to check my carryon with my laptop in it.

Since I couldn’t remember how to tear apart the baggage tickets I had printed out, I handed them to the ticket agent. After she put my big suitcase on the belt, she grabbed my carryon and threw it on the belt. I said, “My computer’s in there.” She didn’t say anything, and she didn’t give my baggage receipts.

When I arrived in Sacramento, neither of bags were on the conveyor belt. At the Southwest lost bag area, my daughter and I found my big suitcase. However, my carryon was delayed or lost.

I got nervous when the baggage agent said she couldn’t find a second bag for me in her computer system.

We had the choice of having the bag delivered or getting a $100 coupon for another flight. The baggage agent said we’d get a call the next morning about how to get the bag. She said since there was a computer in it, TSA may have held the bag for inspection. You aren’t supposed to put a computer in checked luggage.

I was upset that the ticket agent hadn’t told me that.

After no call was received about my bag the next morning, I called Southwest. My anxiety level went up even higher when the customer service representative said Southwest and other airlines don’t reimburse customers for electronics in lost bags.

She did say the bag was at the airport. I was amazed that it was found and had arrived.

I asked the customer service representative who I should complain to about the ticket agent who didn’t tell me that laptops shouldn’t be put in checked luggage. She said to ask for the supervisor at the airport lost bags department.

The supervisor listened to my complaint, but he also said I should file an online complaint. He said it would go directly to the ticket agent’s section. He apologized for all the trouble that we’d had.

So, beware. Don’t let this happen to you. It’s hard to believe that after all the consumer research that I do, I didn’t know about this.