Will Homeowners Insurance Cover Iphone? 
The basic answer is no , unless you have scheduled it . What this means is that homeowners insurance will cover some lost/stolen/broken items when you are away from your house . Typically cell phones and electronic devices are excluded ; however , cell phones and electronic devices can be scheduled on your policy . This means that they are specifically named as an item in your policy that will be covered in the case of a covered peril . I , however , do not recommend doing this because the deductible for your homeowners policy is usually much higher than a stand alone policy you can get for a phone . 