Most Renters in South Burlington, Vermont have smartphones (as more and more of the population is). Tenants, however, often don’t know whether their smartphones are protected by their renters policies. Whether or not your smartphone is covered by your renters insurance is probably fairly complicated. It likely depends on what happens to your phone and where your phone is when an incident occurs. Here are some scenarios where your phone probably would be covered, and some where it probably wouldn’t be covered.