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Are mobile phones covered by my home insurance?
I recently got the newest version of my mobile phone and it was pretty expensive. Because I own a home in a neighborhood with a high crime rate, I’m worried about my phone getting stolen. Is my mobile phone covered under my home insurance policy?
Talullah Blanco · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Congrats on the new phone! Your standard home insurance policy provides coverage for mobile phones, just like any other personal property, in case of loss or damage caused by a
named peril
, including theft. Some instances where your home insurance will cover your mobile phone are:
- Someone breaks into your home and steals your mobile phone.
- Someone vandalizes your mobile phone.
- Your mobile phone is destroyed by wind, hail, fire, or smoke.
- Someone steals your mobile phone while you are out of your home.
That said, filing a claim with your home insurance can increase your rate. Consider checking with your cell phone service provider to see if they offer coverage or insurance. Typically there is a monthly fee associated with it, but it’d likely be smaller than the increase you could face with your home insurance for filing a claim.
Since you’re reviewing your home insurance’s coverage, now is a great time to explore your other options to ensure you’re getting the lowest rate with
Jerry
. The Jerry app collects quotes from top insurance companies, like Nationwide and Travelers, in seconds. They even help cancel your old policy once you’ve made your pick.View full answer
- Gregory R.
WHY YOU CAN TRUST JERRY
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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