Is a smartphone covered under home contents insurance?
We can’t live without our smartphones anymore. It’s common for a smartphone to get damaged, even if you mainly use it at home. Standard home contents insurancedoesn’t cover damage to the device, but it is possible to add this coverage.
A laptop generally doesn’t get damaged easily. You only walk around the house with it occasionally. Most of the time, it’s sitting somewhere in the house. A desktop computer almost always stays in the same spot in the house. It’s different with a smartphone—you’re often walking around with it. When you go out, you almost always take your smartphone with you. Dropping your phone just once is enough to cause hundreds of euros in damage. How can you tailor your home contents insurance to cover this?
What coverage does standard household property insurance provide?
Most home contents insurance policies are what are known as “extra-comprehensive” policies. The name suggests broad coverage against various causes of damage. While that is true in principle, even broader coverage is often desired. For example, a home contents insurance policy provides coverage for damage caused by fire, burglary, storms, and lightning strikes. Dropping or losing a smartphone is not covered under these policies. However, theft of a smartphone from the home is covered. In most cases, though, there is a need for even broader coverage, and that is possible.
Home Contents Insurance with Off-Premises Coverage
Standard home contents insurance offers only limited coverage outside the home. You can also adequately insure your belongings—including your smartphone—when you’re away from home. To do this, you can add “out-of-home coverage” to your home contents insurance policy. If your belongings are stolen outside your home, you’ll receive compensation for the loss. This coverage applies not only to your smartphone but also to other items in your household.
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Extra protection for your smartphone
In addition to the out-of-home coverage, you can purchase supplemental coverage. This supplemental coverage also compensates for financial loss resulting from the loss or damage of your phone. With the insurance payout, you can have your phone repaired if it is damaged. If your phone is lost, you will receive a payout equal to its value.
Still want to get warranty insurance?
When buying a phone, you can usually also purchase insurance specifically designed for that phone. This allows you to insure your smartphone, but be careful: the premium is often very high, and there are sometimes unreasonable exclusions. It’s important to carefully review the policy terms and conditions before choosing this insurance.
Do you have a home contents insurance policy with only limited coverage for your phone? If you took out the home contents insurance at least one year ago, you can cancel the policy and switch to another provider. It’s also possible to modify your existing policy.
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