Some contents policies will automatically cover you for things that you take out of the house, like your phone and laptop, but you need to check this.
While your standard cover might include the cost of replacing your phone, you need to check if it will also cover stuff like music downloads or files that you’ve saved. Some policies will include cover for digital information, so it’s always worth a check.
Most policies won’t cover you if your phone or laptop break down, or any money you lose if someone steals your phone and runs up a bill.
Some insurers do offer an ‘all risks’ option. This is normally for a higher premium, which will offer wider cover, and include things like accidental damage.