1. 1615 POINTS
    Ryan Andrew
    President, The Andrew Agency, Richmond, VA
    Renters insurance is designed to cover sudden and accidental losses of named perils. Examples of named perils are fire, theft, lightning and vandalism. Your iPhone is considered personal property and would be covered by named perils on the policy. Check your deductible before filing a claim because the standard deductible is $500 so it may not make sense to file a claim.
    Answered on August 13, 2013
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