Telephone contents insurance coverage
Contents insurance covers damage to your belongings in your home. Your cell phone is often covered as well. What types of damage to your phone are covered varies by insurer and type of insurance. So check the terms and conditions carefully before taking out insurance.
Compare contents insuranceCoverage indoors only
Fire, burglary or water damage? Home contents insurance pays for it. Usually a standard contents insurance policy also covers damage or theft of your cell phone. But only if it happens inside. For damage or theft outside, you need additional coverage. For example, outdoor insurance.
All-risk insurance
A phone gets damaged easily. You drop it easily and damage such as a cracked front cover can easily cost you hundreds of dollars. So all-risk contents insurance is smart. This often offers more extensive coverage for your cell phone, for example:
Damage from indoor accidents:
for example, if you accidentally drop your phone and the screen breaks.
Indoor theft:
If your phone is stolen during a burglary.
Water damage:
for example, if your phone gets wet from a spill or fallen glass of water.
Fire or smoke damage:
If your phone is damaged by fire or smoke.
Excluded: damage due to intentional and out of home
The policy terms of all-risk insurance policies do not say exactly what is insured. In fact, everything is insured except what is excluded in the terms and conditions:
- For example, the terms and conditions state that intent is not insured. Being responsible for the damage yourself is not a problem for compensation, but throwing your cell phone into the toilet on purpose is.
- Damage or theft outside the home is also usually not covered by all-risk contents insurance. Unless you have purchased additional outdoor coverage. Always check the policy terms and conditions.
High deductible
Do you have minor damage to your phone? Then the cost of treatment is often higher than the compensation. This is because there is often a high deductible. This ensures that the insurer does not have to deal with many small damages, which together cost a lot of money. For example, you pay the first €100 or €150 of the damage yourself.
Other options: savings or phone insurance
Instead of phone coverage with your home contents insurance, you can purchase separate phone insurance. This insurance often covers damage and theft, both at home and outside. This is useful if you use your phone a lot on the road. But know that phone insurance is often expensive and has a deductible.
Another option is to save money yourself. This way you make sure you can pay for repairs or a new phone yourself if something goes wrong. This gives you more control and can be cheaper in the long run. Choose what best suits your situation and needs.
Compare household insurance policies
There are big differences between contents insurance policies. This applies to both coverage and price. Easily calculate your premium and compare different insurers. This way you can find the insurance that suits you best. Calculate your premium.
Frequently asked questions about contents insurance and your phone
Is all-risk contents insurance necessary for phone coverage?
Yes, all-risk contents insurance often offers more comprehensive coverage for your phone. This also insures you for accidents, such as dropping your phone indoors. Without all-risk insurance, only specific damages such as fire or burglary are covered.
When will I not be compensated for damage to my phone?
You won't get compensation if the damage was caused intentionally or occurred outdoors without additional coverage. Normal usage wear and tear and technical defects are also usually excluded from coverage. Always check the policy conditions for the exact exclusions.
Is separate outdoor coverage for my phone recommended?
If you use your phone a lot on the road, outdoor coverage is definitely recommended. This also insures you for damage or theft outside your home. Just be aware of the additional costs and conditions of this additional coverage.
What does home contents insurance with phone coverage cost?
The cost depends on coverage, where you live and the insurer. Basic contents insurance is cheaper, but covers less. For all-risk coverage or outdoor coverage, you pay more premium but also get broader protection for your phone.
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