Whether your gadgets are covered by your home insurance depends on the specific terms and coverage of your policy. Here are some key points to consider:

1. Personal Property Coverage: Most standard homeowners or renters insurance policies include coverage for personal property, which can include electronic gadgets such as smartphones, tablets, laptops, cameras, and other portable devices. Personal property coverage typically protects your belongings against covered perils such as fire, theft, vandalism, and certain types of water damage.
2. Coverage Limits: Home insurance policies often have coverage limits for personal property, meaning there is a maximum amount that the insurance company will pay out for losses to your belongings. It’s important to review your policy to understand the coverage limits and ensure that they are sufficient to cover the value of your gadgets.
3. Deductibles: Home insurance policies usually have deductibles, which are the amount you must pay out of pocket before your insurance coverage kicks in. Make sure you’re aware of the deductible amount for personal property claims and factor it into your decision-making process.
4. Exclusions: Home insurance policies may have exclusions for certain types of property or perils. For example, coverage for high-value items such as jewelry, art, or collectibles may be limited, and coverage for certain perils such as floods or earthquakes may require separate insurance policies or endorsements.
5. Special Limits: Some home insurance policies have special limits or sub-limits for specific categories of personal property, including electronics. This means that there may be a maximum payout amount for losses to electronics, regardless of their individual value. Review your policy to understand any special limits that may apply.
6. Additional Coverage Options: If you have high-value gadgets or want extra protection for your electronics, you may be able to purchase additional coverage options or endorsements through your home insurance policy. These may include scheduled personal property coverage or a separate electronics insurance policy.

Before assuming that your gadgets are covered by your home insurance, it’s important to review your policy documents and speak with your insurance agent or provider to understand the specific terms and coverage limits. If you find that your existing coverage is insufficient, consider purchasing additional coverage or a separate gadget insurance policy to ensure that your electronic devices are adequately protected.