Are you sure you’re covered under home insurance?
Your gadget or mobile phone might be covered under your home insurance, but the cover is unlikely to provide you with the protection that you need and there are wider ranging implications if you need to make a claim.
So, if you make a claim on your home insurance, the excess you need to pay could be more than it would be under a specific mobile phone or gadget insurance policy. Additionally, any claim may result in an increase to your whole contents insurance policy at renewal, all as a result of a relatively minor claim.
Consider also the claim, if you have to make one, home insurance claims can often be quite labour intensive and take some time, can you afford to be without your mobile/gadget for that long? Look for a mobile phone or gadget insurance provider who specialises in repairs and replacements of mobile phones and gadgets.