What Is Liability Protection
We offer Personal Liability protection as part of our homeowners policies. This means Lemonade will hire a lawyer to defend you, and we’ll pay covered damages you are found liable for, in the event someone claims to be injured due to your actions or negligence, or if theres property damage to someone elses property caused by your actions or negligence. Make sure to read your policy. If you experience an incident that may fall under this coverage, then make a claim using our app.
So You Think Your Phone’s Insured
More and more people are turning to the Financial Ombudsman Service over disputes about mobile phone insurance, often because they are not aware of the high number of exclusions.
Such insurance, which can cost over £100 a year, is often bought with a phone at the point of sale on the basis that it will cover accidental damage, theft, loss and fraudulent calls.
Considering that some handsets cost hundreds of pounds, insurance seems a good idea. However, the small print in the policies often excludes cover except in very specific circumstances and limits the time people have to claim in.
Reasons for claims being turned down can simply be that the phone was left unattended or the insurer wasn’t notified promptly, according to a spokesman for the Financial Ombudsman Service. ‘We would want to know that the consumer had been given clear documentation at point of the sale and – where the complaint might centre on cancelling the policy – were given proper information about the cooling-off period,’ he says.
The FOS says that, of the inquiries it receives, only around two a month go to the ombudsman because the majority are settled by the insurer. But it is concerned that the increasing numbers of inquiries it is receiving suggest that people are not aware of the limitations with some mobile phone insurance.
The Observer scrutinised the small print of two policies, from Phones4U at £7.99 a month, and from Insurance4mobiles.co.uk at £2.49 a month.
Phone Cases That Fit Your Smartphone And Functionality Needs
You can find a phone cover to match your device and lifestyle with a little research. First, you’ll want to narrow the search based on your specific smartphone. A few phone cases are one-size-fits-all, but most iPhone cases fit differently than those designed for various Android devices or other phone types. And different models by the same manufacturer can have different dimensions as well, so start your shopping experience by identifying your phone model.
Next, think function. Your case should protect your phone, but it should also make it more convenient to carry, access and hold. If you carry your phone in a pocket, you probably want to focus on a slim phone cover or a flip/wallet phone case that can do double-duty holding your cards. If you use your phone at the workplace, a holster-style case with heavy padding or one with good protection against water might be most practical. Or maybe you prefer a simple shell phone case with a colour, pattern or other design that matches your taste. London Drugs also carries screen protectors for added peace of mind.
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Is My Mobility Scooter Or Electric Wheelchair Covered
Yes, we can cover both mobility scooters and electric wheelchairs, as long as they are not licensed for road use.
If you’re using them in your home they’re covered under your contents cover whilst in the home.
If you’re using them outside your home you’ll need to make sure you have included personal possessions cover.
We also provide legal liability cover should the scooter cause any damage to third parties or their property. You will need to let us know the value of your wheelchair or scooter so that we can add it to your cover.
If I Don’t Let You Know About Changes Could This Affect My Cover
It’s important you tell us if any of your personal details or details about your home change.
If you don’t tell us about any changes to your personal details, including changes to your home, or if you give us incorrect information, the wrong terms may be quoted.We may also then be entitled to reject payment of a claim or a payment could be reduced. In some circumstances your policy might be invalid and you may not be entitled to a refund.
You can contact us in a number of ways.
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What Does More Than Home Insurance Cover
The information below gives an at-glance view of the key areas that More Than’s home insurance covers as standard.
Elements marked with a are covered as standard, those marked with a are not covered as standard. Elements marked with a £ can be added to a policy as optional extras for an additional cost.
You’re covered to repair burst pipes with a standard policy.
You can claim to replace keys and locks if your keys are lost or stolen.
You can get additional cover for accidental damage to personal belongings, fixtures and fittings.
£ Personal Possessions
If you choose the add-on, you’ll get cover for losing or accidentally damaging personal belongings when they’re outside your home.
Get his add-on, and you’ll be covered for boiler or central heating system failure.
Cover for legal costs resulting from claims such as property and employment disputes.
Should You Claim On Your Contents Insurance
With that said, there are a couple of things that you should take into consideration before claiming on your contents insurance.
Firstly, to make a claim on your home contents insurance you’ll have to pay the full excess agreed with the insurer, even if the only item you’re claiming for is your mobile phone. If your phone is worth quite a bit then you may not mind taking this risk but if not, it may not be worth the expense of putting in a claim. You can voluntarily lower your excess so that you won’t have to pay out more than the phone is worth but as this could drive up the cost of your insurance you need to think carefully about this.
You should also bear in mind that claiming on your contents insurance for your mobile phone could result in your contents insurance premium rising when it comes to renewing again – so it may not always be worth putting in a claim.
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Am I Covered For Blocked Or Broken Drains And Pipes
If you bought our standard buildings policy, youâre covered for damage to underground pipes and cables that service your home and you are legally responsible for.
This cover is for damage caused by any of the following:
- Falling trees or branches
If you chose to add accidental damage cover to your buildings policy, youâre also covered for accidental breakage. This also extends to accidental damage to cables and underground tanks that service your home and you’re legally responsible for.
If you bought our upgraded cover, youâre also covered for tracing and accessing water or oil leaks in your home from your heating or water system. This means weâd pay the cost to repair any part of your building damaged to locate the leak such as removing flooring, up to the policy limit.
Our policies donât cover blockages, unless theyâre the result of damage caused by the above.
Accidental Damage Cover At Home
Accidents happen – they’re annoying and often costly to fix. Add accidental damage to your buildings insurance and you’ll receive cover for accidental damage of drains and pipes, windows, baths and toilets. Add it to your contents insurance and you’ll be covered for accidental damage to your carpets, furniture, TVs and computer equipment in your home.
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Best For Families: Squaretrade
Deductible may be higher for older phones
SquareTrade is backed by Allstate and is marketed as one of the most affordable cell phone insurance plans available. SquareTrade offers low-cost, multi-device plans with more claim allowances than many other insurance providers. Combined, these factors make SquareTrade our choice for cell phone insurance that can cover the whole family.
SquareTrade insurance covers all cell phone makes and models regardless of carrier or age. Plans cover cracked screens, touchscreen failures, liquid damage, speak/audio failure, battery failure, and charging port failure.
Coverage includes on-premise , same-day repairs as well as repairs made at a local repair shop. Or, if youd prefer, you can also mail in your phone for repairs, a process that typically takes two to five days.
While many cell phone insurance providers limit annual claims to two per plan, SquareTrade allows for up to four claims per year per individual device plan. Family plans allow for up to eight claims per year, which can be particularly helpful for families with multiple devices, both cellular and otherwise.
SquareTrade premiums start at $8.99 a month for a single device, but you can insure multiple devices for just $19.99 a month. Deductibles are a flat $149 regardless of phone age, model, or issue.
SquareTrade also offers an upgrade that adds additional benefits like premium tech support, Allstate Roadside Assistance, and identity theft recovery.
What Does Contents Insurance Cover
Contents insurance covers the possessions within your home. This typically includes household goods like kitchen and electrical appliances, furnishings and furniture as well as your personal belongings, valuables and money.
With your mobile phone falling under the category of valuables, you should be covered for loss, theft or damage by fire, flood or escape of water under a standard contents policy.
To be covered against accidental damage of your phone, you most likely will have had to pay for extra accidental damage cover. This will pay out for accidents to your phone, so if you drop it down the toilet or end up putting it on a spin cycle in the washing machine, you won’t have to worry.
As you’re more likely to do damage to your phone while out and about, you could be covered for items outside of the home if you added all risks insurance to your policy.
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Does My Home Insurance Cover Me For Transportable Items Such As Mobile Phones And Laptops
Transportable items such as mobile phones and bicycles are covered if you take out the appropriate cover on your home insurance you’ll need to add Personal Possessions Cover as they’re taken outside your home.
Bicycles generally have their own specific cover section within your home policy and provide cover whilst your bicycle is away from the home in case of theft.
Is It Worth Purchasing Mobile Phone Insurance
If you are one of the thousands of people receiving a mobile phone this Christmas you may be deliberating the merits of taking out insurance on the device.
According to consumer finance experts, Defaqto, having some kind of insurance on phones, which can cost as much as £1,500, is a wise move.
But its important to look at which type of insurance is suitable and also make sure you dont unwittingly double up on protection. Indeed, you may already be covered under your home contents insurance.
Here we take a closer look at mobile phone insurance and home contents cover to help you make up your mind.
Specialist mobile phone insurance
Buying mobile phone insurance may seem like the obvious choice since its tailored for the specific product and can be purchased by the mobile phone networks along with the contract.
According to Defaqto this type of specialist policy will cover the handset in case of loss or damage plus the cost of any calls and data used if the phone is stolen.
And, it said, these policies tended to be the most comprehensive as most cover you for the loss of your phone either in or out of the home.
Few of these policies offer new for old cover which is where youll get a brand new phone as a replacement.
However, they also tend to have a lower excess on claims, averaging at £121 and going up to £350, so its often worth claiming rather than just buying a new phone or paying for repairs yourself.
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Does My Policy Include Personal Injury
Your home policy includes up to Â£1 million personal liability cover. This covers any liability for people visiting your home who may injure themselves through your negligence.
For example if someone slipped over in your bathroom because there was water on the floor or if a tradesperson such as a plumber injured themselves due to poor maintenance of your home.
Are Mobile Phones Covered By Home Insurance
If you already have or are considering taking out a home contents insurance policy, your phone may already be covered as part of this.
However, there are some limitations to standard contents insurance that means you might want to upgrade your policy to adequately cover your mobile phone or other gadgets.
Standard contents policies will cover your mobile phone the same as any other item in the home. You will be covered for loss or theft of your mobile phone in the home as well as if it is damaged in a fire, flood, escape of water, etc.
However, many home contents insurance policies have a single item limit, which means that unless you specify your phone as a high-risk item, your payout might be limited to between £500 and £1,000. The details differ with different providers, but if you have a valuable phone it is worth checking the small print.
If you want mobile phone insurance against everyday risks, you might want to ensure your contents insurance policy includes the following features:
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Our Upgraded Contents Cover Is Rated 5 Star By Moneyfacts
Our upgraded contents cover has been awarded Moneyfacts 5 Star rated for 5 years running because of all of our benefits. These include cover for:
- Loss or damage to items in your garden
- Your contents that you take temporarily away from your home
- A special event, such as a birthday or anniversary. We increase your contents cover by 10% one month before and after the event.
Get Mobile Phone Insurance Or Cover As Part Of A Packaged Bank Account
Packaged bank accounts usually offer mobile phone insurance as one of the benefits in return for a monthly fee:
- This can be a relatively cheap way of insuring your mobile phone.
- If its a joint account you might even get both yours and your partners phone insured for the same fee.
- Always check the level of cover does it meet your needs? How quickly will your handset be replaced? Will you be covered for unauthorised calls?
If youre thinking of going for a packaged bank account, make sure the benefits you get outweigh the cost of the account.
Find out more in our guide Packaged accounts
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Home Coverage For Your Condo Feel Confident Your Condo Is Protected With Home Coverage For Your Condo
- All risks: This covers your home and belongings against all causes of lossexcept those directly mentioned as exclusions in your policy.
- Personal liability: Youre protected in case a visitor gets injured inside your home, or if youve accidentally damaged someones property and have to pay for the damages.
- Additional living expenses: If you cant live at home while repairs are being made because of a claim, well cover your temporary additional living expenses.
- Unit Improvements: Youre covered for any upgrades made to your condo since it was built.
- Loss assessment: Covers your portion of any shared costs that occur as a result of an eligible loss assessment by the condo corporation.
- Common areas: Well protect you against liability for any major repairs to common areas.
- Legal and home assistance*: Bundled Home & Car insurance comes with free advice from lawyers and a network of home contractors. Learn More
Does Lemonade Require My Pets Medical History
At Lemonade, we require a medical record that includes info from a visit that took place within 12 months of your policys start date. You can also sign up for your Lemonade policy and then get your updated medical record together within 14 days but dont forget!
We need a full nose to tail exam of your pet . This will usually include:
- Notes on the condition of fur, skin, eyes, ears, mouth, joints, and other body systems
- Blood test/fecal test results
- Any medications they are being sent home with today
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Is My Spouse Covered Under My Lemonade Homeowners Policy
The short answer is yes, but we recommend adding their name to your policy.
You’ll be happy to know that your policy automatically covers all residents of your household who are related to you by marriage, blood, or adoption.
Just make sure you buy enough coverage to cover everyones personal property. Remember to take everyones laptops, bikes, electronics, jewelry, musical instruments, and clothing into consideration.
How Do I Insure My Phone With Renters Insurance
If you decide to protect your phone with renters insurance, getting a policy with Lemonade is easy!
All you need to do is get a basic insurance policy, which takes less than 2 minutes: Download the Lemonade app, answer a few questions about your home, and get insured in seconds.
To make sure youre getting enough coverage for your phone , double check your personal property coverage is sufficient. Otherwise, you could be left high and dry when disaster strikes.
Heres how to estimate the value of your stuff:
1. Take 2 minutes, walk around your apartment, and take a video of everything you care about
2. Make a list of the stuff of everything you just filmed/snapped and estimate how much each item costs
If you have receipts, keep a pic in case you ever have to replace the stuff under warranty or have to make a claim
For electronics and more expensive items, its important to know the make and model as well as when and where you bought them
3. For shoes, non-electronic kitchen items, and other stuff in bulk, just estimate what it would cost all together
4. Add this up and voilà, thats the value of your stuff
Best practice is rounding up to the nearest $10K. So if your laptop , phone , bike , furniture , and clothing add up to $15,250, youll want to get at least $20k in personal property coverage.
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