Theft protection make sense?

However, one should ask the question whether it makes sense, in addition to complete the theft protection. If the device is stolen from closed spaces, often jump a different insurance companies.

If you have your smartphone as sealed in a bag or in stolen in his pocket in a train with him and it is there, this insurance would not attack (unless the whole would have been secured with a padlock, as close to reality. ..) because it "personal custody" are different views. At least according to various court rulings, the insurance company is not obliged to refund in such cases (see [...]
According to the judgment would have to be the cell phone or the shutter constantly feel constantly ...

Verdict: One can indeed insure against many things, but then read the fine print and do not be disappointed if the insurance only in the rarest cases will jump (theft of an item from a secured with combination lock bag to the I constant at all times physical had contact, yeah ...).