Your smart phone would be scheduled to your homeowner’s or renter’s policy the same way we can add jewelry, collectibles, cameras, firearms or many other items. This deductible when applied, would give you very little money to replace your smart phone.Ĭoverage for your smart phone can be obtained by adding a special rider to your homeowner’s or renter’s policy. Even if you had a covered loss, your loss will be subject to the deductible of your insurance (usually $500-$2500). ![]() ![]() Your homeowner’s policy does cover your smart phone for damages, such as fire and theft but not for losing or misplacing your phone. Contrary to advice given by the AT&T or Apple representatives, your homeowner’s or renter’s policy usually does not cover loss, breakage or misplacing your smart phone. What would happen if you could not find your smart phone? Panic would probably ensue. From the moment, we get up in the morning, most of us have our smart phones close at hand. Most of us today cannot live without our smart phones. ![]() How often have you misplaced or lost your smart phone? If you are like the other 224 million people in the US, it is fairly frequently.
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