does normal house insurance cover a damaged mobile phone?

Question

my phone got water inside and now the screen is discoloured and not all the buttons function is it covered by the house insurance

Answer 1

no

Answer 2

2

Answer 3

No. Homeowner's insurance is designed for major catastrophies such as fire, storm damage, or something else along those lines. Having said that, if you put in a claim for something small, you look like a high risk and your premium might go up. Even if you have coverage on your mobile through your house insurance (which is not very likely), I'd try to resolve the water damage issue w/ the cell phone company instead.

Answer 4

Van_at_lincoln's is right it may be covered, but you really don't want to use it on something like a phone. This would show up as a water damage claim, so if the company doesn't cancel you, it certianly would if you file another claim in 5yrs.
In short, don't do it, your rates may go up or you could get cancelled. Insurance is there for catastrophic loss, not broken cell phones.

Answer 5

It may be covered, however, what is your deductible? Replacing the cell phone may be less than your deductible and therefore it wouldn't be worth filing a claim.

Either way, I wouldn't claim the cell phone. If I were you I'd just shell out the money for a new one. Your carrier would probably consider the claim on the cell to be frivolous and could lead to a non-renewal.

Answer 6

It will be covered - if you have the right cover. If happened at home will need AD. If away from home some personal belongs. Get a cause of damage report - fees will be paid if covered. Or you can get insurance company to inspect.

Answer 7

No it doesn't. When you buy a new phone and if its a classy one you can buy it from the phone shop. I bought my phone from Phones 4 u and I paid £50 extra to get it insured agaisnt everything for a year. xx

Answer 8

Possibly, however you should check with your bank if the acciunt you have covers this as I know Barclays Bank, Barclays Additions accounts have automatic mobile phone insurance.

Answer 9

No sir, you would have to have been paying for cell phone insurance which is about $5 a month.

Answer 10

IT would be cheaper to buy an new phone than pay a higher rate of insurance later, due to this trival claim.

Answer 11

Probably not, but even if it did, depending on your deductible you would be better of just paying out of pocket for a new one or get a used one somewhere. On our policy we can only have 2 claims per policy period or we lose our insurance.