Is damage to your phone covered by home insurance?

Is damage to your phone covered by home insurance?

More than a third of the Dutch wrongly believe that fall and impact damage with your smartphone is covered by home contents insurance as standard. This applies to some insurers, but in many cases you need additional coverage.

Phone damage and home contents insurance

Samsung launched the Samsung Galaxy Z Fold 4 in August, and it comes with a hefty price tag of 1,799 euros. It would be a shame if you damaged the device – that goes for any phone – but an accident can happen quickly. 34 percent of the Dutch wrongly believe that damage to your phone is always covered by their home contents insurance policy. This is apparent from a survey by the independent fieldwork agency Panel among 1,000 Dutch people.

It is true that many insurers for mobile phones make a distinction between the types of claims that are covered with the basic cover. Fall and impact damage is therefore not always covered by home contents insurance, and additional coverage is often required. According to the respondents, insurers make it unnecessarily complex and 76 percent believe that insurers should indicate more clearly under which insurance and which cover a mobile phone falls.

Overview of insurers

But which insurers are right for you when it comes to impact and fall damage with telephones? At the bottom of this article you will find an overview of pricewise. You can also see when additional coverage is required.

In addition to home contents insurance, there are also many (web) shops that offer their own insurance for telephones. As with household contents insurance, it is also advisable to compare carefully which damage is covered. Also check out all our tips on smartphone protection.

Were you already able to knock on the door of your insurer after your phone had an ugly fall? Maybe you also opt for separate insurance at the store where you bought your phone? Let us know in the comments.

Contents insurer Covered with household insurance Additional coverage

asr

no

Mobile electronics

ABN AMRO

no

Mobile electronics

Aegon

Yes

/

Allianz

Yes

/

Allianz Direct

no

/

ANWB

no

Smartphone and Tablet Coverage

aon

Yes

/

Avero Achmea

Yes

/

Central management

Yes

/

Ditzo

no

Mobile electronics

FBTO

Yes

/

HEMA

no

Mobile electronics

ING

no

/

InShared

no

Mobile electronics

Interpolis

Yes

/

cloverleaf

Yes

/

Lancyr

Yes

/

lemonade

no

Mobile electronics

Nationale-Nederlanden

no

Mobile electronics

OHRA

Yes

/

Rhion

Yes

/

SNS

Yes

/

Uniguarantee

no

Smartphone and Tablet Coverage

university

Yes

/

Home Ownership Association

Yes

/

Insure yourself.nl

Yes

/

ZLM

Yes

/

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– Thanks for information from Androidworld.

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