Is a phone covered by contents insurance?
Fire can cause you to lose all your possessions in your home within minutes. Therefore, contents insurance is an indispensable insurance policy with a wide coverage. Your smartphone is even insured in contents insurance. In addition to coverage against fire, you can also insure your mobile against theft and damage caused by dropping it or by water.
For many people, it is not clear whether contents insurance also insures the phone. Not all insurers also provide coverage for dropping your smartphone. By comparing, you can make demands on the policy. Contents insurance including a smartphone has great advantages over more limited coverage.
What coverage does home contents insurance provide for cell phones?
You can make a dichotomy in contents insurance. Traditional insurance provides coverage against a number of causes of damage defined in the policy terms. These include theft, fire and storm damage. Modern contents insurance even includes coverage for dropping your phone. These are the so-called all-risk insurance policies. The policy conditions of these insurances do not list what is insured. This assumes that basically everything is insured, provided it is excluded in the policy conditions. It says, for example, that intent is not insured.
What does all-risk contents insurance cover?
All-risk contents insurance coverage goes pretty far. With this insurance, water damage to your phone is covered. Accidentally knocking over a can of paint on a rug is also insured. For compensation, it is not a problem if you are responsible for the damage yourself. If you deliberately throw your cell phone into the toilet, then it becomes a different story.
Taking out household contents insurance? Calculate your premium!
There is often a high deductible
However, the deductible with this insurance is often relatively high. This is to prevent many small claims being submitted to the insurer. Usually you can determine the amount of the deductible. For example, you pay the first €100 or €150 of damage yourself. With a small claim, the handling costs for an insurer are often much higher than the claim payment.
What about a laptop and contents insurance?
Your laptop is easy to move and carry around. Therefore, a laptop falls under household contents. But is your laptop properly insured with home contents insurance? Insurers apply a number of conditions here.
Does it make sense to compare household insurance policies?
Yes! The differences between contents insurance policies are great. This applies to both coverage and premium. To make this clear, we compare contents insurance in addition to motor insurance.
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