Are Mobiles Covered on Home Insurance?

Are Mobiles Covered on Home Insurance?

This is a question that comes up quite often, so we’ve put together a simple answer to help you out. As long as your mobile is located in your home and you have a valid home insurance policy, it will be covered. However, there are a few exceptions – for example, mobiles that are used for business purposes will not be covered. So if you’re wondering if your phone is covered on your home insurance policy, it’s worth checking out the details.

Home contents insurance with mobile phone cover?

Yes, all home contents insurance policies will include cover for mobile phones. If your phone is stolen or damaged while it’s in your home, you’ll be covered. Make sure you read the small print of your home contents insurance policy to find out exactly what is and isn’t included in the policy.

Easiest way to compare and buy car insurance

On the whole, comparing car insurance quotes is a pretty straightforward process. The various insurers offer different amounts of cover and different levels of discounts – so it’s worth checking out a few to find the best deal for you. You can compare car insurance quotes online or by phone, depending on your location.

Be aware of your deductible (Mobiles Covered on Home Insurance)

One of the most important factors when comparing car insurance quotes is your deductible. This is the amount of money you’re responsible for paying out before insurers start offering to cover any losses. Make sure you factor in your deductible when choosing an insurer – it could make a big difference to how much you end up paying annually.

Home Insurance Tips

Make sure your home is properly insured. This will include your property, contents (items inside the property), and personal liability insurance. If you have a smartphone in your home, it’s likely to be covered by your homeowners or renters insurance policy – but make sure to read the small print! Some policies do not cover smartphones altogether, while others may only cover physical damage theft or vandalism. Verify coverage with each insurer separately.

What’s in this guide?

This guide provides tips on how to compare and buy car insurance, as well as advice on home insurance. You’ll find tips on choosing a home insurance provider, the best ways to secure finance for your new car and more.  If you’re new to UK car insurance (or if you’re already insured but want some expert advice), check out our quick “Guide to Car Insurance”. Essential information about buying home contents protection: What’s covered? – This guide explains what comes under basic and enhanced cover in terms of items stolen.

Use Money Navigator Tool

Money Navigator is a free online tool which gives you an instant quote for home insurance, as well as other types of insurance. Simply enter your address and the tool will work out what cover you need and recommend providers.

Which mobile phones are covered on home insurance?

It depends on your home insurance policy. Some insurers cover smartphones – and any other electronic devices, including tablets while others only cover physical damage or theft. You’ll need to check the small print of your policy to find out exactly what’s covered.

Does homeowners insurance cover cell phones?

Only some insurers cover cell phones, so it’s worth checking with them to see if your phone is included. For example, the simple policies provided by some of the biggest UK insurance companies don’t include smartphones at all.

Will insurance cover a lost phone?

Yes, most home insurance policies cover the cost of replacing a lost or stolen phone. The price you pay will depend on your insurer, but typically it will be around £100.

If something happens to my car and I’m not at fault, can my insurance company still sue me?

Almost certainly not – homeowner’s insurance policies are designed as protection against theft or damage to your property, rather than providing financial compensation in the event that you’re sued.

Frequently Ask Queestions

Does homeowners cover iPhone theft?

Smartphones are covered by most home insurance policies, but again you have to check with your insurer. The law requires insurers to fully cover physical damage or theft caused by a mobile phone in the course of normal use – which includes accidental dropping and loss of data. So if someone steals your phone out-of-phone time then that’s covered but not when it is on silent mode being stored at home.

What else is covered by phone insurance?

Your phone is also covered if it’s lost or stolen while you’re traveling, so long as you have travel insurance that includes mobile coverage. You can also buy additional phone insurance from a number of specialist insurance companies including Simply Phone and We Cover You.

Are mobile phones covered by home insurance?

It is possible for mobile phones to be covered by home insurance, but it is important to understand the exclusions and limits that may apply. Most home insurance policies do not cover personal property that is used for business purposes, such as using your mobile phone for work. In addition, most policies do not cover damage or theft that occurs while the phone is in use. It is important to check with your home insurance provider to see if your phone is covered and if there are any exclusions or limits that may apply.

Should I take out separate mobile phone insurance?

There is no one-size-fits-all answer to this question, as the benefits and risks of mobile phone insurance will vary depending on your individual circumstances. However, overall, it is generally recommended that everyone take out mobile phone insurance in order to protect their belongings and personal information.
Mobile phone insurance can provide financial relief in the event of a lost or stolen phone, as well as coverage for damage done to the phone during an accident or theft. It can also provide peace of mind in the event of a data breach, as stolen or lost data can often be extremely costly to repair. In some cases, mobile phone insurance can also cover legal fees and compensation for emotional distress.
While it is important to consider all the benefits and risks of mobile phone insurance before making a decision, the bottom line is that it is always a good idea to have coverage for your belongings and personal information.


Do you have a mobile device at home? If so, are you covered by your home insurance policy? Unless you’ve got something pretty extravagant in your electronics stash (like a Tesla or a million dollar home), odds are you’re not covered. That’s because most home insurance policies don’t cover electronics, even if they’re plugged into an outlet. For more information about whether your mobile devices are covered by your home insurance policy, or to find out what kind of exclusions may apply, be sure to stay connected to our website!

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