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Esther Said:

Will home insurance cover a wet cell phone?

We Answered:

"oops I dropped it into the pool" is not a named peril on the standard homeowners policy. So no.

Likely, the phone isn't worth enough anyway, to be more than the deductible on your coverages.

Ronald Said:

Will my home insurance cover pool repair?

We Answered:

The quickest way to know will be to contact you insurance agent. He/she will know what type of policy you bought and the coverage limits. My personal opinion is that type of repair is not covered. Almost all homeowners insurance offers indemnity against damage and injury claims and not maintenance issues. Having said that, how did your friend determine it appeared to be a suction line leak? Are you simply losing water from the pool? What kind of pool is it, gunite or fiberglas? Either could have developed a leak in the pool shell through which water is escaping. Check your local pool supply store for a leak test kit. Is there air in the system, visible through the sight glass on your pump reservoir? If so, open the system and check the seal under the sight glass. I've had to replace mine before. Check that there are no visible signs of leaks in any of the plumbing you can see. If none of that detects your problem, start looking around for any wet spots along the edge of the pool and between the pool and the equipment. If there is, you may have found your problem. I hope this helps. If not, you've done just about everything you can by yourself. After you've done all you can, try contacting a couple of pool service companies and compare charges to troubleshoot and fix your problem. Times are tough and many companies are willing to discount their rates or offer flat rates per job.

Jeremy Said:

Does home insurance cover mobile phone damage?

We Answered:

Depends on how it was damaged, and what your excess is.

Stacy Said:

Does Norwich Union home insurance cover loss of spectacles?

We Answered:

Provided that you have cover for personal possessions your spectacles should be covered. I suggest that you have a look at the policy schedule. It is normal for the insurers to exclude the first £50.00 of any claim.