Home contents insurance will cover your mobile phone if it is damaged or stolen in your home – check the details of the policy to see whether your phone will be covered when you take it outside the home. You can also take out extended accidental damage cover if your contents policy does not fully protect you should you accidentally damage or lose your mobile phone. For an additional premium, insurance providers will extend your contents policy with personal belongings cover, which protects your possessions from loss, theft and damage outside of the house and around the world. Please note that this may be at an extra cost.
If you decide to upgrade to a new mobile phone, you must inform your insurer as you may not be entitled to make a claim if you do not.
If you are considering including a mobile phone on your home insurance policy then try visiting a few different companies and comparing cover and prices. Make sure that you find adequate cover that protects your mobile phone both inside and outside your home.