Does Renters Insurance Cover Lost Cell Phone?

  1. 37376 POINTS
    David G. Pipes, CLU®, RICP®
    Business Development Officer, T.D. McNeil Insurance Services, Fresno, California
    Your renter’s insurance covers damage to your personal property.  Lost property isn’t exactly damaged property.  There is a limit to coverage for property away from your residence.  Your claim would adjusted on the replacement cost of the phone after you pay the deductible.  You might receive something for a lost cell phone; however, it might be more trouble than it is worth to file the claim.
    Answered on September 2, 2014
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