Your home insurance policy will provide coverage for your mobile phone under the contents limit of the policy, but:
1) the loss or damage to the phone must be the result of a covered peril (cause). The phone is destroyed in a house fire - covered. Your 6-month old German Shepherd chews it to bits - not covered.
2) the damage will be subject to your contents deductible, which is typically $500 or more. So, even if the phone is technically covered by the home insurance, the benefit you receive from that insurance will likely be little or nothing.
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1) the loss or damage to the phone must be the result of a covered peril (cause). The phone is destroyed in a house fire - covered. Your 6-month old German Shepherd chews it to bits - not covered.
2) the damage will be subject to your contents deductible, which is typically $500 or more. So, even if the phone is technically covered by the home insurance, the benefit you receive from that insurance will likely be little or nothing.