The short answer
Phones are covered under contents at home for theft and fire, but accidental damage and loss outside the home need the personal possessions add-on (£25–£60/year). Single-item limits apply — typically £1,500.
Frequently asked
- Should I use home insurance or buy phone insurance?
- Home insurance is usually cheaper but applies your excess (£100+) and affects renewal pricing. Dedicated phone insurance is better for repeated screen claims.
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