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Does Nationwide home insurance cover mobile phones?
I have a pretty expensive smartphone and I’m worried about it getting stolen while it’s in my house. Does Nationwide home insurance cover mobile phones?
Bonnie Stinson · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Yes, home insurance covers most of the contents in your home—including your smartphone.
There are two main factors that control whether something will be covered by insurance.
First, the damaging incident must be a
covered peril
in your policy. Theft, vandalism, and some kinds of water damage are usually covered. For instance, if your smartphone is stolen from your home, it should be covered.Second, the item must be an everyday, personal item. Very expensive or rare items are not normally covered by a standard policy. Electronics sometimes fall under this exclusion. Smartphones should be covered unless it is an extremely costly or unique device.
Bear in mind that your deductible must be paid first before you receive any reimbursements from Nationwide. If your deductible is set at $1,000, you could buy yourself a new phone for that fee—no claim required.
If you have any questions about
homeowners insurance
or even car insurance
, reach out to Jerry
. Our friendly agents are just a text or phone call away! The Jerry app is the fastest way to find a cheap policy, too. You can compare rates and sign up for a policy in seconds. Hope this clears things up!
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- 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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