Can Home Insurance Cover Mobile Phones? 
Sure , but why would you ? My reason for saying this is two fold . First , in order to have your phone covered under your home insurance you would have to include it under your scheduled property section . This requires that specifically name the phone on your home owners policy . This is a disadvantage because if your phone is damaged through a named peril you have to make a claim against your home owners policy for personal property away from the premise . If you have an aggregate limit for your scheduled property it will eat away at it . Also , it has to be a named peril , it ca n't be a reason like you lost your phone . The moredevastatingpoint is that you will more than likely have to pay your deductible , which for a home is usually $ 1,000 . You can always lower your deductible , but then you will be paying more in premium each year . The second reason is there is cheaper insurance you can purchase for your phone either through your service provider -LRB- i.e. att , sprint , verizon -RRB- or online . 