Is a smartphone insured with contents insurance?
We cannot live without the smartphone anymore. It is common for a smartphone to be damaged, even if you use your device often at home. Standard home contents insurance does not cover damage to the device, but co-insurance is possible.
A laptop, in general, does not get damaged easily. You walk around the house with it sporadically. Most of the time, it sits somewhere in the house. A desktop is almost always in the same place in the house. Things are different with a smartphone, which you walk around with often. When you go out, you almost always take the smartphone with you. Dropping the phone once is enough to cause damage worth hundreds of euros. How can you adjust your home contents insurance accordingly?
What coverage does standard contents insurance provide?
Most contents insurance policies are so-called "extra comprehensive" contents insurance policies. The designation suggests broad coverage against various types of causes of loss. In itself this is true, but often an even broader coverage is desired. For example, contents insurance pays out for damage caused by fire, burglary, storm and lightning. Dropping or losing the smartphone is not covered. However, theft of the smartphone from the house is insured. However, there is usually a need for even broader coverage, and this is possible.
Contents insurance with outdoor coverage
Regular contents insurance offers only limited coverage outside the home. Your belongings, including smartphones, can also be properly insured outside. For this you can expand the contents insurance with the outdoor coverage. In case of theft outside the home, you will be paid the damage amount. The insurance does not only apply to the smartphone. Also for other items in your household contents.
Taking out household contents insurance? Calculate your premium!
Additional coverage for your smartphone
In addition to the outdoor coverage, you can purchase additional coverage. This supplement also reimburses financial loss due to loss or damage to the phone. With the insurance payment you can have the phone repaired in case of damage. In case of loss, you will be paid the value of the phone.
Still opt for warranty insurance?
When buying a phone, you can usually buy insurance specifically for the phone. This way you can also insure your smartphone, but be careful. The premium is often very high and sometimes unreasonable exclusions apply. It is important that you study the policy terms carefully before you choose this insurance.
Do you have household contents insurance with only limited phone coverage? If the contents insurance was taken out at least one year ago, you can cancel the insurance and switch. It is also possible to change your existing insurance.
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