Does a telephone fall under the coverage of the contents insurance?
A fire can cause you to lose all your possessions in the house in a matter of minutes. Therefore, home contents insurance is an indispensable insurance with a wide coverage. Your smartphone is even insured in the contents insurance. In addition to coverage against fire, you can also insure your mobile phone against theft and damage from dropping it or water.
For many people it is not clear whether the contents insurance also covers the phone. Not all insurers offer coverage for dropping your smartphone. By comparing you can make demands on the policy. A contents insurance including smartphone has great advantages compared to the more limited coverage.
What cover does household contents insurance offer for the mobile phone?
You can make a distinction between household insurances. The traditional insurance offers coverage against a number of causes of damage described in the policy conditions. These include theft, fire and storm damage. In the modern household insurance, even dropping your telephone is covered. These are the so-called all-risk insurances. The policy conditions of these insurances do not list what is insured. It is assumed that actually everything is insured, provided it is excluded in the policy conditions. For example, it is stated that intent is not insured.
What does comprehensive household insurance cover?
The coverage of a comprehensive household insurance goes quite far. With this insurance, water damage to your telephone is covered. Accidentally knocking over a can of paint on a rug is also covered. For the compensation, it is not a problem if you are responsible for the damage. If you deliberately throw your mobile phone into the toilet, it becomes a different story.
Often a high deductible applies
The excess for this insurance is often relatively high. This is to prevent that many small claims are submitted to the insurer. Usually you can determine the amount of the excess yourself. For example, you pay the first €100 or €150 of damage yourself. In case of a small claim, the handling costs for the insurer are often much higher than the claim payment.
What about a laptop and the contents insurance?
You can easily move and take your laptop with you. A laptop therefore falls under the contents. But is your laptop properly insured with household contents insurance? Insurers apply a number of conditions.
Does it make sense to compare contents insurances?
Yes, it is! The differences between household insurances are large. This is true for both the coverage and the premium. In order to make this transparent, we compare household insurances as well as motor insurances.
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