Is a smartphone insured in home contents insurance?
We can't live without the smartphone anymore. Because you often use the device at home as well, it is common for the smartphone to be damaged. Standard home contents insurance does not cover damage to the device, but co-insurance is possible.
For example, a laptop does not get damaged easily. You walk around the house with it sporadically, but usually it is somewhere safe in the house. A desktop almost always stays in the same place in the house. With the smartphone, it works differently. You walk around with that often, and when you leave, you take the smartphone with you. Dropping the phone once is enough to cause a damage of hundreds of euros. How can you adjust contents insurance accordingly?
What coverage does standard contents insurance provide?
Most contents insurance policies are so-called extra comprehensive contents insurance policies. The designation looks like broad coverage against various types of causes of damage. In itself this is true, but often even broader coverage is desired. For example, this 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, but even broader coverage is needed, and that is possible.
Increase contents insurance with outdoor coverage
Regular contents insurance offers limited coverage outside the home. Your belongings, including the smartphone, can also be properly insured outside. For this you can visit Alpina.nl expand the contents insurance with the so-called outdoor coverage. In case of theft outside the home, you will be paid the damage amount. The insurance applies not only to the smartphone. Also for other parts of your household contents.
Taking out household contents insurance? Calculate your premium!
Extend contents insurance with additional coverage for your smartphone
In addition to the outdoor coverage, you can purchase additional coverage. This supplement also compensates financial loss due to loss or damage to the phone. With the payment from the insurance you can have the phone repaired in case of damage. In case of loss you will be paid the value of the phone.
Or still opt for warranty insurance?
You can also purchase insurance specifically for the phone when you buy it. This is another way to insure your smartphone, but be careful. The premium is often very high and sometimes unreasonable exclusions apply. In any case, familiarize yourself carefully with the policy terms before you go for this insurance.
Do you have household contents insurance with only limited coverage for phones? If the contents insurance was taken out at least one year ago, you can cancel the insurance and switch.
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