Will home insurance cover a wet cell phone?
dude. asked:
I have a cell phone that I just dropped into the pool. My cell phone insurance won’t cover it, will home insurance cover it?
Phillip Casar
I have a cell phone that I just dropped into the pool. My cell phone insurance won’t cover it, will home insurance cover it?
Phillip Casar
Very unlikely. Even if it did, you wouldn’t want to make a claim for something as minor as that and take a chance your rate would go up.
Most cell phones have a little dot sticker that turns colors if it gets wet so I would not try to exchange it. And your deductible on your insurance is probably higher than the cost of your phone unless you have a super deluxe phone.
I really dont think so because you can get insurance on your phone so I dont think you house insurance would be responsible for things that can get their own insurance.
Homeowner’s insurance only covers the house itself and permanent fixtures in the house- TVs, desktop computers, appliances, stereo equipment etc… things that are not easily portable or moved out of the house. Since your cell phone is portable and is frequently outside of the house, your homeowners insurance will not cover it, just like your insurance won’t cover laptops, some jewelry, cars, sports equipment, and cell phones.
“oops I dropped it into the pool” is not a named peril on the standard homeowners policy. So no.
Likely, the phone isn’t worth enough anyway, to be more than the deductible on your coverages.