Does Renters Insurance Cover Cell Phone Damage? 
Renters Insurance , or what I would refer to as a Tenant-homeowner 's policy , would cover any personal property you own except that which is specifically listed as `` Property not covered '' . Some of the specific types of property not covered include autos , aircraft , animals , birds and fish . Since cell phones are not on that list , they would be covered property . Specific limits apply to certain types of property , money , theft of jewelry or silver , etc. . Cell phones are not on that list either . While a cell phone may be `` covered property '' , the damage it sustains must be caused by one of the covered perils . The perils are listed and include fire , lightning , wind , hail , theft , vehicle damage , etc. . You will note water damage is not a covered peril , nor is dropping the phone or breaking the screen . These policies have , in addition , a number of exclusions including earthquake , flood , intentional damage , etc. . So cell phones would be covered as long as they were damaged by a covered peril and the damage exceeded the deductible which is commonly $ 250 or more . If you meet all those tests , the basic policy would then reimburse you for the actual value of the phone , not what it costs to replace it . Optional replacement cost coverage is generally available , if you have it the cost of a new phone would be the basis for your claim . Then the question will be what is the value of the phone ? Is it the actual phone or the two year service agreement you have committed yourself to ? Bottom line , I would n't depend on Renter 's Insurance to cover damage to my cell phone . It seems to me one of those non-catastrophic risks you may be better off assuming . 