Will Renters Insurance Cover Lost Cell Phone?

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   David Osgood

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

   In most cases it would not. A lost item is not normally covered by renters or homeonwers insurance. If the item was stolen then you may be covered less your deductible up to the limits provided by the policy. In either case most people would not want to turn in a claim for a cell phone as this is normally a low value item and would put a claim against your coverage.

   Answered on June 13, 2013

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