Does Home Insurance Cover Iphones? 
It really depends on your policy and the way it 's written and if something has already happened to your iPhone the only way to make sure is to file a claim with your insurance company . If your iPhone is still undamaged and you just want to make sure it 's protected then contact your insurance agent and tell them `` I want to specifically schedule my iPhone in my homeowner 's policy for $ 600 , replacement cost , special causes of loss '' . That 's insurance talk for `` I want to make sure my iPhone is covered , for anything that might accidentally happens to it , and for the full cost to replace it . Some insurance companies will do this and others will not . 