Mobile insurance policies provide protection against a variety of perils and damages, internal or external. Given that smartphones are electronic devices, they could be prone to software failure which can often render the device useless. Besides internal damage, external damage can also occur due to various reasons. Listed below are some of risks and damages which are commonly covered under mobile insurance policies.

• Damage to the internal workings of the phone due to water spillage.
• Hardware Failure like malfunctioning touchscreen, faulty earphone jack or charging port problem.
• Damage due to fire.
• Damage occurring due to riot, strike, terrorist activities.
• Damage caused due to malicious intent.
• Screen cracks.
• Loss of device due to theft, house break-in, burglary.
• Loss of device from a securely locked vehicle or building.
• Damage to the interior or exterior components of the device.