Solvency Capital Requirement (SCR)

We have a query regarding the treatment of gadget insurance (e.g. mobile phone insurance) that is classified and reserved under “Line of Business 7 – Fire and other damage to property insurance". Our query concerns the application of the non-life catastrophe risk sub-module in the standard formula, and more specifically the natural catastrophe risk sub-module(s). Should the natural catastrophe stress apply only to immoveable property (i.e. buildings) or is it to be applied to all forms of property including gadgets such as mobile phones, mobility scooters, bikes, etc.? As an example, a gadget insurance policy typically wouldn't specifically cover windstorm exposures. However, a windstorm could potentially cause damage to the policyholder's mobile phone in certain circumstances.