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Does USAA renters insurance cover cell phones?
I’m really upset. My brand new iPhone was stolen from my car last night. Is there any chance that my USAA renters insurance will cover this type of cell phone loss?
Rachel Rigolino · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Oh no! Being the victim of theft is not only disturbing, but it can have financial consequences, of course. Yes, your USAA renters insurance should help you recover from this loss—but you’ll need to file a police report if you haven’t done so already. And you’ll have to meet your deductible.
Let’s review USAA renters insurance and cell phone protection:
- Cell phones, like other personal items, are covered for certain standard perils. These include: water, wind, or hail damage; fire or smoke damage; and theft, among others.
- USAA provides additional coverage for electronics, through a low-cost supplement to your renters policy. This will protect your electronic devices from accidental spills or other damage. If you have an expensive cell phone or laptop, adding on electronics coverage may be worth it for peace of mind.
Best wishes on replacing your cell phone!
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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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