Your gadget might be covered under your home insurance but the cover is unlikely to cover all of your needs and could leave you without your device for a considerable amount of time (home insurance claims can take a while to resolve).
Home insurance isn’t designed with your device in mind, so is unlikely to cover you for fraudulent use or unauthorised data usage. Furthermore, if you claim on your home insurance, the excess you may be required to pay could be higher than the cost of having separate insurance. Naturally, your contents insurance premium may then increase when your policy comes to renewal, due to the claim you made.
Please make sure you view the benefits and cover of each insurance policy before you make a decision. If you’re not sure, give us a call and we’ll help explain our cover options further.