Does Home Insurance Cover Mobile Phones? 
Mobile phones are covered under your personal property coverage under your homeowners policies . However they are only insured against the covered perils listed in the policy , and are still subject to your policy deductible -LRB- typically $ 500 or $ 1000 minimum -RRB- , so a claim for just your cell phone is usually not feasible . Furthermore , accidental damage & handling is n't a covered peril under your homeowners policy , along with simply misplacing the item and not knowing what happened to it . 