Your home insurance would probably cover your mobile phone but it would be subject to your deductible (the portion YOU are responsible for before your policy kicks in) which would nORMALLY be HIGHER than the cost of a mobile phone.
DOn't you have insurance on your phone from your service provider? Cheaper way to go and less deductible.
DOn't you have insurance on your phone from your service provider? Cheaper way to go and less deductible.