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"Does home insurance cover smartphones? "

I splashed out on a new iPhone a few weeks ago. It's a pretty hefty investment for me. Is this phone protected by my home policy?

avatar
Savannah Grabek · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“Typically, electronics are covered on your home policy. In the event that your smartphone is stolen, you may be able to claim it on your policy. There are just a few things to consider before making the claim:
First, what is your deductible and are you going to see a return from the claim? Most home insurance policies have a $1,000 deductible, therefore it may not be worth filing a claim for your smartphone.
Second, were you away from your home when your phone was stolen? Typically, home insurance will cover theft away from your property. However, if you are in
New York
, you would need to make sure that your policy has “”off-premises theft”” coverage to cover such a loss.
Third, if you have phone insurance through your mobile carrier, it may be better to make a claim with them. If you make a claim on your home insurance, then this will impact your premium. “
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