Does Home Insurance Cover Iphones? 
Because an Iphone is personal property , it will be covered by most homeowners policies . Unless it is specifically scheduled on a personal articles floater that is attached as a part of the homeowners policy it will be treated as all other personal property . By that I mean that the loss will be adjusted subject to the deductible . The claim must show that damage has occurred and that the damage was caused by one of the perils covered by the policy . The personal property is also subject to a reduced limit of coverage when it is away from the covered home . Few Iphones will be more valuable that the reduced limit and so should be covered . There are independent companies that provide specialized coverage for mobile phones and most service providers have arrangements to secure coverage . 