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| Best Buy Cellphone Insurance |
If you haven't purchased insurance for your mobile device yet, it may be time to do so. When deciding to purchase mobile insurance, there are several important factors to consider, including theft, damage, and deductible claims. Another decision you must make is whether or not to accept the insurance provided by your service provider as part of your plan. If you're also looking for a new contract for your device, check out our list of the best cell phone plans.
Best Cellphone Insurance
Asurion is an low-cost and comprehensive solution for cellphone insurance
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Unexpected cellular phone repairs or replacements can go away you on the hook for countless hundred dollars, however the right mobile phone insurance coverage can help make it more affordable. When buying a cellular telephone insurance policy, buyers will pay a monthly or annual premium, typically between $5 and $20 a month, and if the system is damaged, lost, or stolen, they’ll be able to repair or change it for a fraction of the market fee with the aid of paying a deductible.
Many insurance policies offer comparable coverage, but it’s vital to fully evaluate each issuer and coverage before making a decision. The first-class policies are cost-effective, with low deductibles, making it easy to file a claim. Additional factors like bundling discounts, multi-device options, and consumer reviews can also be useful when choosing a provider. Read on to decide which issuer first-rate matches your needs.
Best for a Variety of Devices: Verizon Total Mobile Security
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Verizon Total Mobile Security |
If you have a number of devices that need to be safeguarded, you'll want a plan that will cover them all without difficulty. Fortunately, Verizon's Total Mobile Protection plan lets you insure up to ten lines simultaneously. A smartphone or smartwatch is covered for $15 per month with a deductible. You'll be covered for lost or stolen phones, water damage, and even defects discovered after your warranty has expired (this does not apply to Florida residents, who are covered by Asurion's insurance program). When parts are available, it also provides an expanded cracked-screen repair.
Best Overall : Asurion
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| Asurion Insurance |
Pros
- Works without delay with various top wi-fi providers
- Easy claims process
- Robust insurance that consists of loss
Cons
- Higher deductibles for some devices
- Doesn’t provide the lowest premiums on the market
Overview
Many mobile phone carriers allow clients to add insurance to their monthly bill, and Verizon, AT&T, USCellular, or Sprint customers have direct get entry to to Asurion’s coverage. This insurance is affordable, the claims method is easy, and clients are usually cosy with their experience. These elements make Asurion the fine ordinary cellphone insurance provider on our list.
Asurion policyholders are included if their device is lost, stolen, or damaged (e.g., broken screens and liquid damage). Plans additionally cowl machine defects, as nicely as some screw ups and machine troubles linked to everyday put on and tear, like dirt accumulation or internal heat and humidity problems.
The Asurion online claims portal makes it convenient to submit a claim, and policyholders can generally count on a replacement phone to arrive by way of mail in as little as 24 hours. Not all broken devices require a replacement, however. Customers with a cracked display screen or those who want to work without delay with a technician can take their problem to one of the extra than 650 uBreakiFix with the aid of Asurion stores, which are being rebranded as Asurion Tech Repair & Solutions as of September 2021.
For delivered convenience, they can also schedule a home or office visit with an Asurion technician. With so many repair options, it’s convenient for customers to locate one that works best.
Plans & Pricing
Purchasing choices differ by way of phone provider, gadget type (e.g., smartphones and watches), and plan. Deductibles for alternative phones also differ by means of device, with greater costly or more recent telephones carrying larger deductibles. Screen repairs, which frequently don’t require a alternative phone, are extra affordable.
Best for Families: AT&T - Cellphone Insurance
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| AT&T - Cellphone Insurance |
You can get a plan that covers four devices, protects against loss and theft, and includes unlimited photo and video storage for $40 per month. (If you own non-AT&T laptops or tablets, you can get them covered under this plan as well.)
Most problems can be fixed the same day, and others can be fixed or replaced the next day. As an added bonus, you get identity protection. AT&T also has dependable customer service—the tech team can help you troubleshoot a problem or issue at any time.
BEST FOR FAMILIES : SquareTrade
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| SquareTrade Insurance |
Pros
- Coverage for all phones regardless of make, model, or age
- Four to eight claims allowed per year
- Competitive prices for family plan
Cons
- Mail-in repairs are slow
- Deductible may additionally be greater for older phones
Overview
SquareTrade is backed with the aid of Allstate and is marketed as one of the most less expensive cellular phone insurance plan plans available. It affords low-cost, multi-device plans with extra claim allowances than many other insurance providers. Combined, these factors make SquareTrade our preference for mobile phone insurance plan that can cover the total family.
SquareTrade insurance plan covers all cellular telephone makes and models regardless of service or age. Plans cowl cracked screens, touchscreen failures, liquid damage, speak/audio failure, battery failure, and charging port failure.
Coverage includes on-premise (e.g., in the home, office, a coffee shop, etc.), same-day repairs, and repairs made at a neighborhood restore shop. Or, if preferred, the purchaser can additionally mail in the phone for repairs, a technique that typically takes two to 5 days.
While many cellular phone insurance plan providers restriction annual claims to two per plan, SquareTrade lets in for up to four claims per year per man or woman system plan. Family plans allow for up to eight claims per year, which can be particularly helpful for households with a couple of devices, each mobile and otherwise.
Plans & Pricing
SquareTrade premiums start at $8.99 a month for a single device, but customers can insure a couple of gadgets for simply $19.99 a month. Deductibles are a flat $25-149.
SquareTrade also affords an upgrade ($12.99 per month) that provides extra benefits like top class tech support, Allstate Roadside Assistance, and identity theft recovery.
BEST FOR IPHONES : AppleCare+ - Cellphone Insurance
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| AppleCare+ - Cellphone Insurance |
Pros
- Certified Apple parts and technicians
- Theft and loss coverage options
- Low premiums
Cons
- Only covers Apple devices
- Additional software steps if beginning a coverage 60 or greater days after preliminary iPhone purchase
Overview
A new iPhone can effortlessly cost shut to $1,000, which can make insurance a smart investment. While most cellphone insurance plan companies will fortunately cowl iPhones, clients searching for the excellent insurance plan may additionally favor to go straight to the source. AppleCare+ makes it handy to guard a phone and get ongoing assist from specialists who recognize the hardware, running system, and applications that make Apple merchandise unique. That’s why we’ve chosen AppleCare+ as the first-rate choice for iPhone users.
AppleCare presents two special policies: AppleCare+ and AppleCare+ with Theft and Loss. Both insurance policies cowl up to two incidents of accidental damage safety annually and provide insurance if a battery retains 80% or less of its unique charging capacity. AppleCare+ with Theft and Loss offers extra coverage if the system is lost or stolen.
An AppleCare+ account also gives 24/7 precedence access to Apple specialists through cellphone or chat, onsite services (e.g., display repairs), express replacement services, and mail-in restore options with pay as you go shipping. AppleCare+ clients can also take their device to any Apple Store or Apple Authorized carrier company for in-person repairs and troubleshooting.
For customers thinking about AppleCare+, it’s first-rate to add the coverage within 60 days of buying the iPhone. If that window has closed, a go to to an Apple Store may be required to add a policy.
Plans & Pricing
Prices range primarily based on the iPhone mannequin the customer wishes to insure. AppleCare+ insurance plan on new models typically prices $9.99 per month or $199 for a constant term of two years. AppleCare+ with Theft and Loss will run about $11.49 per month.
Deductibles vary primarily based on the incident type. The deductible for screen repairs is $29, whilst other sorts of harm normally result in a $99 deductible. If the telephone is misplaced or stolen, assume a $149 deductible.
BEST FOR SAMSUNG PHONES : Samsung Care+ - Cellphone Insurance
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| Samsung Care+ - Cellphone Insurance |
Pros
- Expert Samsung support
- Low premiums for some devices
- $0 deductible for mechanical breakdown claims
Cons
- High premiums for some devices
Samsung has been a leader in cellular phone technology, so it makes feel that they also provide an insurance product to cover their phones. Like AppleCare+, Samsung Care+ leverages the expertise of Samsung technicians to provide lower priced and reliable repairs for Samsung users. This makes Samsung Care+ the nice provider for Samsung users.
Samsung Care+ insurance insurance policies supply insurance for accidental damage, liquid spills, and screen cracks. Policyholders also get an extended guarantee that protects against mechanical and electrical breakdowns after the 12-months manufacturer warranty expires.
Samsung Care+ customers can take gain of 24/7 support, and if a smartphone wishes repairs, they can rest assured that they'll receive unique Samsung parts and that their cellphone will be repaired with the aid of a Samsung expert.
Plans & Pricing
The expenses of Samsung Care+ policies fill a range, relying on the gadget being insured. Deductible charges depend on the purpose for provider (e.g., unintended damage or a screen repair).
BEST FOR POLICY BUDGET : AKKO
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| AKKO Insurance |
AKKO’s special approach to cellular telephone insurance plan lets policyholders take benefit of some of the lowest premiums in the industry, making it the excellent provider for cellular telephone owners on a budget.
Pros
- Low monthly premiums
- Coverage can encompass other electronic devices
- Multi-policy discounts
- Student discounts
Cons
- Lost telephones have boundaries in coverage
- Replacement fee is determine through AKKO
Overview
AKKO was started out in 2019, making them pretty new to the scene, however they’ve garnered attention for consistently cheap mobile phone insurance plans. With insurance options starting as low as $5 a month, AKKO is one of the first-rate vendors for anybody on a budget.
One element that sets AKKO aside from different insurance plan companies is how they manage claims. Instead of routinely receiving a alternative device, AKKO will supply clients money primarily based on the replacement cost of the system minus the deductible. Similarly, if they need to have their cellphone repaired, AKKO will either ship the money cost of the repairs or pay the repair store directly.
AKKO presents two plans: The Phone Only format and the Everything Protected plan. Both plans offer simple cellphone protection, which includes cracked screens, liquid damage, unintended injury (e.g., drops), theft and vandalism, and damages that result from natural disasters (e.g., fire, flood, etc.).
AKKO’s Everything Protected format extends coverage to up to 25 different electrical items, which includes any tablets, laptops, and video games that belong to the policyholder.
Plans & Pricing
AKKO’s Phone Only format starts at $6 to $12 per month, or $5 to $11 a month if the patron pays for the whole 12 months upfront. Deductibles range based on the make, model, and yr of your phone. Repair deductibles typically range from $29 to $75, and replacement deductibles vary from $75 to $99.
The Everything Protected choice runs from $12 to $15 per month or $120 to $168 when paid for the year. Like the Phone Only plan, deductibles commonly vary from $29 to $75 for repairs and $75 to $99 for replacements. For students, however, the deductible drops to $49.
Though clients can’t insure more than one cellular telephone per plan, they can retailer 5% to 15% when they bundle extra than one policy.
BEST FOR OPTIONS : Progressive
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| Progessive Insurance |
Progressive lets cellphone insurance customers personalize their policy based on system type, coverage amount, and policy term, making this widely wide-spread insurer a exceptional issuer for clients who choose options.
Pros
- Multi-device plans
- Customizable coverage
- Discount for Progressive customers
Cons
- Full price required for two- and three-year policies
- Does no longer cowl manufacturer defects
Overview
Progressive is widely known for its house owners and auto policies, but they additionally have a device protection plan that covers smartphones, laptops, tablets, gaming systems, and more. The insurance is surprisingly customizable and affords low priced multi-device plans that make Progressive ideal for anyone looking for a policy with lots of options.
Progressive’s phone and system insurance policies cowl theft and damages, inclusive of water damage; drops and unintentional damage; cracked screens; and fire, flood, and herbal disaster-related damages. Coverage begins as quickly as the policy starts, regardless of how old the cellphone is. Progressive’s machine protection graph does no longer encompass manufacturer defects or issues that stem from regular put on and tear.
As a bonus, clients can bundle various device safety policies, which potential they can without problems insure every smartphone in the family as properly as any additional gadgets like video games, laptops, and more.
Plans & Pricing
Protection plans are exceedingly customizable, however clients can usually impervious simple insurance for as little as $8 to $10 a month per machine with a $75 deductible, and existing Progressive customers can save 5% on their premium.
While deciding on coverage, clients have the choice to choose the coverage amount ($199 to $1,599) and policy term (one to three years) for every device. They can save more by using choosing the two- or three-year coverage option, although they’ll want to pay for the graph in full. If the patron prefers monthly payments, they’ll likely need to choose the one-year coverage option.
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