Does My Renters Insurance Cover My Cell Phone?

  1. 37376 POINTS
    David G. Pipes, CLU®, RICP®
    Business Development Officer, T.D. McNeil Insurance Services, Fresno, California
    A cell phone is covered as personal property under a renter’s policy.  If your cell phone is damaged the company will pay the damages (based either on the age of the phone or the cost of a replacement phone) to you minus the policy deductible.  Whether the company uses the current value of the phone or the replacement value is determined by the policy.
    Answered on May 21, 2014
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