Yes. Cell phones are fragile, expensive, and easy to damage. Replacing or repairing a phone can cost hundreds of dollars, but having smartphone insurance greatly reduces the cost and inconvenience of unavoidable accidents and loss.

Homeowners covers damage to other structures and clean up

Homeowners pays for any damage to your belongings, home, or other structure on your property (garage, deck, shed, swing set, fence, etc.). Plus, it will pay for the tree removal and clean up. You just have to pay your deductible, and that's it.

See more on how homeowners insurance deductibles work and how to pick the right one for you.