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Does home contents insurance cover mobile phones?
I’m considering getting a renters insurance policy since it covers home contents. I’m most worried about something happening to my phone. Will home contents insurance cover mobile phones?
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Renters insurance is a great way to protect your property. Home contents insurance will cover mobile phones as long as a
covered peril
causes the damage.Home contents insurance is another way to describe personal property insurance. All home insurance policies offer personal property insurance, but
renters insurance policies
only include personal property coverage. Home contents insurance won’t cover your phone if you accidentally drop or spill water on it, but it would cover:
- Theft
- Vandalism or malicious mischief
- Fire
- Smoke
- Freezing
Home contents insurance also covers your property anywhere in the world, so if your phone is stolen while you’re out, you could likely submit a claim.
That said, submitting claims for renters and home insurance can increase your premiums. If you’re only looking for coverage for your phone, you may want to check with your mobile phone provider to see if they offer device protection or insurance.
If you decide you’d still like to get a renters policy, consider using
Jerry
. The Jerry app can collect quotes from top insurance companies, like Nationwide
and Progressive
, in seconds. View full answer
- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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