Does Homeowners Insurance Cover Lost Cell Phones?

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   Mark Bartlett CLCS

   Branch Owner, TWFG Insurance Services, Fremont California and the Greater Bay Area Representing Dozens of Insurance Carriers

   Homeowners insurance does not cover lost anything. There could be coverage under theft or mysterious disappearance. If this were a covered loss you would be subject to your deductible of which the most common deductible is 1000.00. You would have to read your policy to see what your actual deductible is. Also don't be surprised if you get a surcharge for the claim on your renewal.

   Answered on July 31, 2013

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