You can take out additional insurance coverage for "Simple theft outside the home." Because not only can your cellphone be stolen; it could be dropped, hit, drowned in coffee or left out in the rain. The additional module "Accidental damage to electrical equipment" is there for just such damage, whether it was inflicted by you or someone else. In contrast to basic cellphone insurance, your tablet, TV and gaming PC are also protected – in each case with a deductible of at least CHF 200.