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Does renters insurance cover cell phone damage?
I recently broke my cell phone. I’m not sure I can pay for a replacement at the moment. Would my renter's insurance cover cell phone damage?
Jack Walsh · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
I’m sorry to hear about your cell phone! Your renters insurance will cover cell phone damage if the damage was caused by a
covered peril
** outlined in your policy’s details.In general, renters insurance won’t cover cell phone damage if:
- You damage it yourself.
- It’s damaged due to negligence, like leaving it unattended in a public place or not maintaining it.
- Your renters insurance deductible is higher than the phone’s value.
- It’s damaged by a peril that’s not covered, such as an earthquake or flood.
If you think your policy will cover the damage, you should contact your insurance company and file a claim. The claim process varies by company, but you can typically file over the phone, online, or in-person by visiting an office.
Finally, if you want to save money and ensure you’re getting the best rate on both your renters and
car insurance
, you should use Jerry
. A licensed broker that offers end-to-end support, the Jerry app gathers affordable quotes, helps you switch plans, and will even help you cancel your old policy.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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