California E&S Insurance

Renters Insurance Claim for Phone Theft My phone was stolen recently, just a few days after I purchased it. Unfortunately, I bought it refurbished so it didn't come with the option to add insurance (though now I know I could've gotten my own policy separately). And also unfortunately, it's on an Affirm payment plan so I'll have a fun little reminder of the robbery every month when payment is due. I'm working on a claim with my renters insurance as an alternative and my question is this: do I have an argument for them to cover the cost of the stolen phone's payment plan AND the cost of purchasing a replacement phone? Obviously, if I'd purchased the phone outright in full, they'd only be covering the replacement cost. Just trying to think of every option so I'm not out $2K+.

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  "title": "Renters Insurance Claim for Phone Theft",
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