Many people think that household insurance covers personal items as well. But it is not true. Cell phones are personal items and household insurance does not cover personal items at all. To cover iPhones one need to go for iPhone 3G insurance. There is a myth in the society that cell phones are under cover when you have insurance on house hold items and all damages and theft of the cell phone will be paid under household insurance plan. Though household insurance plans covers everything about household but iPhone are not a part of household these are personal items.

iPhone 3G insurance are different from household insurance. iPhones are personal items and it comes under personal insurance plans.  These insurance are for household belongings only. iPhone 3G insurance plan are specially designed for personal items. These insurances are termed according to personal needs and cover all possible damages that could happen to personal belonging. Personal damages are different from household damages so terms of personal item’s insurance are different from household insurance so, their covers and claims.

iPhone 3G insurance is designed for personal items. There terms and conditions as well as exceptions are designed according to use of iPhone its possible damages and theft. Keeping exceptional terms and benefits apart, iPhone 3G insurance covers all possible damages and theft of the phones. Damages cause because of slip of phone and drop at any place is cover under insurance. Damages like crack on screen or other damages on cell phone are covered under insurance. These insurance covers all damages from cell phone drop in toilet to any accidental slip on road.

Other than damages iPhone 3G insurance cover theft of the iPhone as well. With certain conditions iPhone insurance covers cell phone theft as well. iPhone is one of most popular and hottest when it comes on cell phones theft. In United States of America, iPhone is most popular and most targeted among cell phone snatchers and thieves. That is the reason iPhone 3G insurance is becoming more and more popular among iPhone owners. Almost all insurance plans on iPhone with different terms cover cell phones theft as well.

Some insurance plans give full coverage in case iPhone is stolen while some gives partial coverage. Coverage and other terms of iPhone 3G insurance differs as plans and policies differs. Plans and policies of iPhone insurance differ from one insurance providing company to another. So, whenever you’re dealing with any insurance company talk to them what are their terms and conditions and exceptions. To avoid all fatigue and frustration at the time of filing and getting claims, it is best to talk before you sign the deal.