Is it really value for money?
As with anything, you should always check that the cover and benefits are good value for money and you should always shop around.
Do remember, value isn’t always just price, it’s cover, benefits, service, peace of mind and knowing who’s got your back when you need it most.
Am I covered on my home insurance?
You might well be covered under your home insurance and the benefit is, it’s probably included in the premium you’re paying already!
However, if you claim on your home insurance the excess could be higher than insuring with a mobile/gadget insurer and your contents insurance premium, as a whole, may increase when your policy comes to renewal.
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?
Because it’s home insurance and not a mobile/gadget insurance specialist provider you might not have the level of protection that you need, for example, fraudulent use or unauthorised calls.