I explicitly didn’t look for a phone because it is usually rarely included. After all, it is something that can quickly "disappear." Of course, the question here is whether everything must be insured, which Germans like to do, but in the end comes with a (hefty) surcharge. You have to see if you really need it that way or find another solution... and I prefer to save on the premium... as a result, the insurance increases the premium, then maybe something more serious, that is much more expensive, and suddenly you get canceled in the end. Then rather, as you already wrote, a separate insurance for the phone, depending on whether that case is then covered.