Consumers who are thinking of purchasing a top tier cell phone insurance may be wondering if their plan will offer coverage for water damage. Smartphones are highly susceptible to water damage, after all.

KEY TAKEAWAYS:

  • Most full-service smartphone insurance plans will offer some level of coverage for water damage.
  • Check your insurance provider’s website and your individual policy for more information.
  • You may find it helpful to purchase a protective and water-resistant case.

Phone Insurance Water Damage Coverage

Generally speaking, a robust smartphone insurance plan will offer coverage in the case of accidental water damage. A manufacturer’s warranty will, however, typically become null and void once a smartphone has been damaged by a liquid.

Insider Tip

The first thing you should do is to check the specifics of your smartphone insurance plan and look for a section on water and liquid damage.

How to Know if Liquid Damage is Covered

The first thing you should do is to check the specifics of your smartphone insurance plan and look for a section on water and liquid damage. We would recommend performing this step before you actually purchase the plan, as water damage is one of the primary reasons that phones become damaged.

How to Protect Your Phone From Water Damage

If your insurance plan or extended warranty does not offer coverage for water damage, then you will have to take steps to protect your phone from liquids. Also, if you have home insurance, it’s best you understand upfront if the home insurance cover extends to your phone.

Use a Protective Case

Some smartphone cases offer limited amounts of protection from water damage. In general, look for a case that advertises some level of water resistance and protection from liquids. Smartphone cases are a good idea beyond water protection, as they can minimize damage pertaining to accidental falls and related accidents. Some of the best smartphone cases also offer protection from display damage, such as scratches and cracks. Be sure to do your research ahead of time to ensure you have purchased a high-grade case.

Insider Tip

Some of the best smartphone cases also offer protection from display damage, such as scratches and cracks.

Avoid Large Bodies of Water

If you are carrying a smartphone, you may find it prudent to simply avoid large bodies of water, including lakes, pools, and oceans. Though some phones offer integrated protection from liquids, this only goes so far. If your phone drops into the bottom of a deep pool or a lake, water damage may occur. If you live on rented property with a pool, you may want to check if your phone is included in the renters insurance cover.

Purchase a New Phone

As previously mentioned, smartphones do tend to offer a limited amount of water resistance from the get-go. Generally speaking, newer models offer more protection from liquids than phones manufactured in the past. Modern phones can actually survive an accidental dip in the toilet, whereas in the past they could not.

Remember What to do

If your phone does fall into a body of water, it is important to immediately retrieve it and power it down. Then you will want to allow it to dry. We recommend waiting at least one full day before attempting to power on the phone again.

Warning

We would recommend performing this step before you actually purchase the plan, as water damage is one of the primary reasons that phones become damaged.

F.A.Q.

How can you tell if your phone has water damage?

A water-damaged phone can be obvious. Look for visual markings of water damage on the display and corrosion marks on the ports.


Does rice fix water-damaged phones?

Rice does do a good job at extracting liquids from a waterlogged phone, but the rice particles could provide their own potential hazards.


Can you blow-dry a water-damaged phone?

We would recommend against allowing an active blow dryer anywhere near a sensitive piece of equipment, such as a smartphone. The ultra-hot air produced by a blow dryer could damage the phone’s internal components.



STAT: 81 percent of people with a smartphone and young children at home said at least one phone had been lost in the previous two years. (source)

Lawrence Bonk

Lawrence Bonk is a copywriter with a decade of experience in the tech space, with columns appearing in Engadget, Huffington Post and CBS, among others. He has a cat named Cinnamon.

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