Cell Phone Coverage Under Home Contents Insurance
Home contents insurance covers damage to your belongings in your home. Your cell phone is often covered as well. The types of damage to your phone that are covered vary by insurer and type of policy. Be sure to review the terms and conditions carefully before you purchase a policy.
Compare Home Contents InsuranceCoverage indoors only
Fire, burglary, or water damage? Home contents insurance will cover it. A standard home contents insurance policy usually also covers damage to or theft of your cell phone—but only if it happens indoors. For damage or theft that occurs outdoors, you’ll need additional coverage, such as an outdoor property insurance policy.
Comprehensive Insurance
A cell phone can get damaged quickly. It’s easy to drop it, and damage such as a cracked screen can easily cost you hundreds of euros. So, comprehensive home contents insurance is a smart choice. It often offers more extensive coverage for your cell phone, for example:
Damage caused by accidents inside the home:
For example, if you accidentally drop your phone and the screen breaks.
Burglary:
if your phone is stolen during a break-in.
Water Damage:
For example, if your phone gets wet from a leak or a glass of water that's been knocked over.
Fire or smoke damage:
if your phone is damaged by fire or smoke.
Excluded: damage caused by willful acts and damage occurring outside the home
The policy terms and conditions for comprehensive insurance do not specify exactly what is covered. In fact, everything is covered except for what is excluded in the terms and conditions:
- For example, the terms and conditions state that intentional acts are not covered. Being responsible for the damage yourself is not a problem when it comes to reimbursement, but deliberately throwing your cell phone into the toilet is.
- Damage or theft that occurs outside the home is usually not covered by comprehensive household contents insurance either—unless you’ve purchased additional off-premises coverage. Always check the policy terms and conditions.
High deductible
Does your phone have minor damage? In that case, the cost of processing the claim is often higher than the compensation you’ll receive. That’s because there’s usually a high deductible. This way, the insurer ensures it doesn’t have to handle too many small claims, which, when added up, can cost a lot of money. For example, you’ll have to pay the first €100 or €150 of the damage yourself.
Other options: a savings plan or phone insurance
Instead of including phone coverage in your home contents insurance, you can also purchase a separate phone insurance policy. This insurance often covers damage and theft, both at home and away. This is useful if you use your phone a lot while on the go. But keep in mind that phone insurance is often expensive and has a deductible.
Another option is to save money on your own. That way, you’ll be able to 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 the option that best fits your situation and needs.
Compare Home Contents Insurance Policies
There are significant differences between home contents insurance policies. This applies to both coverage and price. Easily calculate your premium and compare different insurers. That way, you can find the policy that best suits your needs. Calculate your premium.
Frequently Asked Questions About Home Contents Insurance and Your Phone
Is comprehensive household property insurance required for cell phone coverage?
Yes, comprehensive household contents insurance often provides more extensive coverage for your phone. This means you’re also covered for accidents, such as dropping your phone indoors. Without comprehensive insurance, only specific types of damage—such as fire or burglary—are covered.
When won't I be reimbursed for damage to my phone?
You will not receive compensation if the damage was caused intentionally or occurred outside the home without additional coverage. Normal wear and tear and mechanical defects are also usually excluded from coverage. Always check the policy terms and conditions for the exact exclusions.
Is it a good idea to get separate out-of-home coverage for my phone?
If you use your phone a lot while on the go, out-of-home coverage is definitely recommended. This coverage also insures you against damage or theft outside your home. Be sure to note the additional costs and terms and conditions of this supplemental coverage.
How much does home contents insurance with phone coverage cost?
The cost depends on the coverage, where you live, and the insurer. Basic home contents insurance is cheaper, but offers less coverage. For all-risk coverage or off-premises coverage, you’ll pay a higher premium, but you’ll also get more comprehensive protection for your phone.
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