Does Renters Insurance Cover My Cell Phone?

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   David Osgood

   Agent, Rural Mutual Insurance Co., Union Grove, WI

   Renters insurance policies will typically provide some limited coverage for electronic items up to the policy limits and usually less your deductible. In most cases your cell phones value will be less than the deductible on the policy. Remember every policy is different. Please read your policy completely to understand the coverage provided and any exclusions that there may be or contact your local agent to have them go over the policy with you.

   Answered on September 17, 2013

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