📱 Specialty & Device Insurance

Explainer

Protects high-value personal items like smartphones, laptops, jewelry, and even bicycles.

Comparison: Manufacturer Warranty vs. Third-Party Coverage

• Warranty: Limited to defects, short-term
• Insurance: Covers theft, loss, accidental damage

Guide: How to Decide

Evaluate replacement cost

Check if home/renters insurance covers it

Consider convenience of same-day replacements

Trends in 2025

• Growth of embedded insurance (auto-included at checkout for devices)
• Rise in subscription-style coverage for gadgets
• AI-powered instant claim approvals