The Unexplained

So I am still perplexed. So you have household contents cover. In the event that someone breaks into my house and burgles me (which include *****ing my phone) I am covered (this would be unforeseen right?) as it forms part of my contents and thus I would be covered right (well I hope so?) BUT, in the event the event that my dog gets hold of my phone and destroys it in my house (which is again unforeseen) and again forms part of my contents - I am weirdly not covered? What is the difference - other than the fact that the first mentioned is more invasive and potentially involves harm to myself vs. the second mentioned. As far as Mi way is concerned I need to have specified the phone (specifically)…..? Logic? Where? The incident happened within my four walls and forms part of my contents within my four walls? It did not get lost or ****** outside of my premises - the incident happened within my own house - why would I need to specific my phone then for use within my own house?