{"id":1694,"date":"2020-07-08T00:08:53","date_gmt":"2020-07-08T00:08:53","guid":{"rendered":"https:\/\/www.gizmogrind.com\/blog\/?p=1694"},"modified":"2020-11-09T20:56:59","modified_gmt":"2020-11-09T20:56:59","slug":"best-us-cell-phone-insurance-plans","status":"publish","type":"post","link":"https:\/\/gizmogrind.com\/blog\/best-us-cell-phone-insurance-plans\/","title":{"rendered":"Best US Cell Phone Insurance Plans Options for 2020"},"content":{"rendered":"\n<p>It is not usual to see people purchase cell phone insurance plans. The odd thing is very few people see this is a good idea. Perhaps those who have gone through a rough experience choose to opt-out. We can tell you, honestly, you don\u2019t have to go through a similar experience to purchase cell phone insurance. With the sky-high costs of owning a cellphone today, being proactive can save you a ton of cash!<\/p>\n\n\n\n<p>Cell phone insurance extends or enhances your phone\u2019s warranty, and could also protect you in the case of theft, water damage, drops, or when you misplace it. We&#8217;ll tell you more about smartphone insurance, and where you can get the best phone insurance. We&#8217;ll also go over what&#8217;s covered so you can make an informed decision when shopping. Maybe by the end you&#8217;ll see the <a href=\"https:\/\/www.gizmogrind.com\/blog\/is-smartphone-insurance-worth-buying\/\">worth of buying phone insurance<\/a>.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_76 counter-hierarchy ez-toc-counter ez-toc-transparent ez-toc-container-direction\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-69e7a48ced308\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-69e7a48ced308\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/gizmogrind.com\/blog\/best-us-cell-phone-insurance-plans\/#Key_things_to_consider\" >Key things to consider<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/gizmogrind.com\/blog\/best-us-cell-phone-insurance-plans\/#What_does_cell_phone_insurance_cover\" >What does cell phone insurance cover?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/gizmogrind.com\/blog\/best-us-cell-phone-insurance-plans\/#How_much_does_cell_phone_insurance_cost\" >How much does cell phone insurance cost?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/gizmogrind.com\/blog\/best-us-cell-phone-insurance-plans\/#Is_a_cell_phone_insurance_worth_it\" >Is a cell phone insurance worth it?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/gizmogrind.com\/blog\/best-us-cell-phone-insurance-plans\/#When_is_it_not_worth_it\" >When is it not worth it?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/gizmogrind.com\/blog\/best-us-cell-phone-insurance-plans\/#If_your_phone_wasnt_expensive_brand_new\" >If your phone wasn\u2019t expensive brand new.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/gizmogrind.com\/blog\/best-us-cell-phone-insurance-plans\/#If_you_expect_your_phone_to_depreciate_in_value_at_a_faster_rate\" >If you expect your phone to depreciate in value at a faster rate.&nbsp;<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/gizmogrind.com\/blog\/best-us-cell-phone-insurance-plans\/#Features_of_the_best_policies\" >Features of the best policies&nbsp;<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/gizmogrind.com\/blog\/best-us-cell-phone-insurance-plans\/#Affordable_premiums\" >Affordable premiums&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/gizmogrind.com\/blog\/best-us-cell-phone-insurance-plans\/#Convenient_claim_coverage\" >Convenient claim coverage<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/gizmogrind.com\/blog\/best-us-cell-phone-insurance-plans\/#Types_of_risks_covered\" >Types of risks covered&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/gizmogrind.com\/blog\/best-us-cell-phone-insurance-plans\/#Reasonable_deductible\" >Reasonable deductible<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/gizmogrind.com\/blog\/best-us-cell-phone-insurance-plans\/#Best_cell_phone_insurance_plans\" >Best cell phone insurance plans&nbsp;<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/gizmogrind.com\/blog\/best-us-cell-phone-insurance-plans\/#SquareTrade\" >SquareTrade<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/gizmogrind.com\/blog\/best-us-cell-phone-insurance-plans\/#Asurion\" >Asurion<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/gizmogrind.com\/blog\/best-us-cell-phone-insurance-plans\/#AppleCare\" >AppleCare+<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/gizmogrind.com\/blog\/best-us-cell-phone-insurance-plans\/#AT_T_Device_Protection\" >AT&amp;T Device Protection<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/gizmogrind.com\/blog\/best-us-cell-phone-insurance-plans\/#Best_for_families\" >Best for families<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/gizmogrind.com\/blog\/best-us-cell-phone-insurance-plans\/#Geek_Squad\" >Geek Squad<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/gizmogrind.com\/blog\/best-us-cell-phone-insurance-plans\/#Samsung_Premium_Care\" >Samsung Premium Care<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/gizmogrind.com\/blog\/best-us-cell-phone-insurance-plans\/#Samsung_Protection_Plus\" >Samsung Protection Plus<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/gizmogrind.com\/blog\/best-us-cell-phone-insurance-plans\/#Verizon_Total_Mobile_Protection\" >Verizon Total Mobile Protection<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-23\" href=\"https:\/\/gizmogrind.com\/blog\/best-us-cell-phone-insurance-plans\/#StayMobile\" >StayMobile&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-24\" href=\"https:\/\/gizmogrind.com\/blog\/best-us-cell-phone-insurance-plans\/#Protect_Your_Bubble\" >Protect Your Bubble<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-25\" href=\"https:\/\/gizmogrind.com\/blog\/best-us-cell-phone-insurance-plans\/#eSurranty\" >eSurranty<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-26\" href=\"https:\/\/gizmogrind.com\/blog\/best-us-cell-phone-insurance-plans\/#Sprint\" >Sprint&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-27\" href=\"https:\/\/gizmogrind.com\/blog\/best-us-cell-phone-insurance-plans\/#T-Mobile_Premium_Handset_Protection\" >T-Mobile Premium Handset Protection<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-28\" href=\"https:\/\/gizmogrind.com\/blog\/best-us-cell-phone-insurance-plans\/#Credit_cards_that_offer_cell_phone_coverage\" >Credit cards that offer cell phone coverage&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-29\" href=\"https:\/\/gizmogrind.com\/blog\/best-us-cell-phone-insurance-plans\/#Shocking_things_about_cell_phone_insurance\" >Shocking things about cell phone insurance<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-30\" href=\"https:\/\/gizmogrind.com\/blog\/best-us-cell-phone-insurance-plans\/#You_dont_have_to_buy_insurance_from_your_carrier\" >You don\u2019t have to buy insurance from your carrier<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-31\" href=\"https:\/\/gizmogrind.com\/blog\/best-us-cell-phone-insurance-plans\/#Deductibles_could_equal_the_amount_you_paid_for_your_phone\" >Deductibles could equal the amount you paid for your phone<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-32\" href=\"https:\/\/gizmogrind.com\/blog\/best-us-cell-phone-insurance-plans\/#You_have_little_control_over_your_replacement\" >You have little control over your replacement&nbsp;<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-33\" href=\"https:\/\/gizmogrind.com\/blog\/best-us-cell-phone-insurance-plans\/#Is_it_a_good_idea_to_keep_your_credit_card_by_your_phone\" >Is it a good idea to keep your credit card by your phone?&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-34\" href=\"https:\/\/gizmogrind.com\/blog\/best-us-cell-phone-insurance-plans\/#Conclusion\" >Conclusion<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Key_things_to_consider\"><\/span><strong>Key things to consider<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"681\" src=\"https:\/\/www.gizmogrind.com\/blog\/wp-content\/uploads\/2020\/07\/rlw-uc03gwc-1024x681.jpg\" alt=\"person writing bucket list on book\" class=\"wp-image-1712\" srcset=\"https:\/\/gizmogrind.com\/blog\/wp-content\/uploads\/2020\/07\/rlw-uc03gwc-1024x681.jpg 1024w, https:\/\/gizmogrind.com\/blog\/wp-content\/uploads\/2020\/07\/rlw-uc03gwc-300x200.jpg 300w, https:\/\/gizmogrind.com\/blog\/wp-content\/uploads\/2020\/07\/rlw-uc03gwc-1536x1022.jpg 1536w, https:\/\/gizmogrind.com\/blog\/wp-content\/uploads\/2020\/07\/rlw-uc03gwc-2048x1363.jpg 2048w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<ul class=\"wp-block-list\"><li>How much is the plan\u2019s deductible?<\/li><li>Are loss and theft covered?<\/li><li>What is the plan\u2019s cancellation policy?<\/li><li>Will you be charged a monthly payment or a one-time fee?<\/li><li>Are you assured of getting a replacement by a particular time?<\/li><li>Is water damage covered \u2013 and does that include both spills and immersion?<\/li><li>Will your replacement phone be the same model as your current phone?<\/li><li>Are you limited in the number of replacements allowed?<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_does_cell_phone_insurance_cover\"><\/span><strong>What does cell phone insurance cover?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Cell phone insurance is designed to cover the common risks manufacturers\u2019 warranties cannot cover. They cover loss due to theft and accidental damages such as water damage or drops. A warranty only covers defects in the workmanship or material. Some protection plans, like Samsung\u2019s Premium Care, also offer coverage for mechanical or electronic problems, acting as an extended warranty.<\/p>\n\n\n\n<p>Depending on the plan you settle for, what is covered can vary. Basically, if you have a covered claim, your insurer will replace the damaged phone in some cases with a new device and other cases you&#8217;d get a refurbished phone or store credit. Sometimes the replacement may result in a bit of a downgraded model.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_much_does_cell_phone_insurance_cost\"><\/span><strong>How much does cell phone insurance cost?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The cost of cell phone insurance largely depends on the insurance provider and the plan you settle for. Carefully reading policies can help you decide which option works best for you. Whether you choose a cheaper or pricey policy, you will be required to pay some premiums monthly, yearly, or in total upfront. If you select a cheaper coverage option, don\u2019t be surprised when you pay an additional $7 to $10 per month in addition to a yearly $100 annually.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Is_a_cell_phone_insurance_worth_it\"><\/span><strong>Is a cell phone insurance worth it?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>If any of the following describe you, it may be a good reason to get cell phone insurance:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>If you have a tendency of breaking or losing phones<\/li><li>If you have a costly phone (going for over $1000)<\/li><li>If not ready to spend more for a new phone in case something happens to your phone<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"When_is_it_not_worth_it\"><\/span><strong>When is it not worth it?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>While cell phone insurance can be a smart option, sometimes it doesn&#8217;t make sense. Here are some scenarios where you may choose to ditch the extra cost of insurance.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"If_your_phone_wasnt_expensive_brand_new\"><\/span><strong>If your phone wasn\u2019t expensive brand new.<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>&nbsp;It does not make sense to spend over $100 on insurance if your device costs less than $500. Word of note here, oftentimes we purchase our smartphones on contract and can pay $200 for a device that is worth a lot more. Keep in mind wireless providers bake the cost of the phone into your monthly rate plan. So you want to make sure you are taking into account the actual cost of the device.<\/p>\n\n\n\n<p>If you have a contract, find out what your monthly rate plane is, then find out what the same plan would cost if you bring your own device. Subtract the two, now multiply the difference by the months in your contract and you get the actual smartphone price. Here&#8217;s the formula for calculating the actual cost of your smartphone on a contract:<\/p>\n\n\n\n<p class=\"has-medium-font-size\"><em>BYOD rate plan <strong>&#8211;<\/strong> Contract Rate Plan<\/em> <strong>=<\/strong> <strong>Your monthly smartphone financing cost<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center\">Then<\/p>\n\n\n\n<p class=\"has-medium-font-size\"><em>Monthly smartphone financing <strong>X<\/strong> Months in your contract <\/em><strong>=<\/strong> <strong>Total Smartphone Financing Cost<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center\">Then<\/p>\n\n\n\n<p class=\"has-medium-font-size\"><em>Total Smartphone Financing Cost <strong>+<\/strong> Initial Smartphone Payment<\/em><strong><em> <\/em>= Total Price of Your Smartphone<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"If_you_expect_your_phone_to_depreciate_in_value_at_a_faster_rate\"><\/span><strong>If you expect your phone to depreciate in value at a faster rate.&nbsp;<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Instead of insuring it, put that money in the bank in case you need a new or used phone, purchase the same model or a refurb instead. In the case of androids, <a href=\"https:\/\/www.gizmogrind.com\/blog\/why-used-iphone-cost-more-than-android\/\" class=\"rank-math-link\">they don&#8217;t hold their value as much as iPhones<\/a>, but keep in mind, a broken screen on an iPhone costs a lot less to fix than and android phones.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Features_of_the_best_policies\"><\/span><strong>Features of the best policies&nbsp;<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.gizmogrind.com\/blog\/wp-content\/uploads\/2020\/07\/4owsxdeas2g-1024x683.jpg\" alt=\"space gray iPhone X on blue surface\" class=\"wp-image-1713\" srcset=\"https:\/\/gizmogrind.com\/blog\/wp-content\/uploads\/2020\/07\/4owsxdeas2g-1024x683.jpg 1024w, https:\/\/gizmogrind.com\/blog\/wp-content\/uploads\/2020\/07\/4owsxdeas2g-300x200.jpg 300w, https:\/\/gizmogrind.com\/blog\/wp-content\/uploads\/2020\/07\/4owsxdeas2g-1536x1025.jpg 1536w, https:\/\/gizmogrind.com\/blog\/wp-content\/uploads\/2020\/07\/4owsxdeas2g-2048x1367.jpg 2048w, https:\/\/gizmogrind.com\/blog\/wp-content\/uploads\/2020\/07\/4owsxdeas2g-930x620.jpg 930w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Affordable_premiums\"><\/span><strong>Affordable premiums&nbsp;<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Are the premiums affordable? Some cell phone insurance can cost nearly $15 or even more. That is a lot of money for a single phone per month. Don\u2019t believe it? Take your time and calculate the much you will have paid in two years.<\/p>\n\n\n\n<p>Always look at the total cost of the plan minus the cost of your device and ask yourself the simple question, <em>am I willing to pay the difference if I lost or damaged my phone.<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Convenient_claim_coverage\"><\/span><strong>Convenient claim coverage<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>How can you make a claim? Is the process complex? Can you make a claim online? Research and choose a provider that makes your life easier when making a claim.<\/p>\n\n\n\n<p>A<em>ppleCare+<\/em> has historically been great with no hassle repairs or replacements. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Types_of_risks_covered\"><\/span><strong>Types of risks covered&nbsp;<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Most plans have broad coverage, but it is a good idea to find out what is covered before purchasing. Never be in a hurry to buy any insurance if not sure about coverage. <\/p>\n\n\n\n<p>Ask clear questions and don&#8217;t rely on a sales rep to give you full answers. A little digging in the fine print can save you money wasted on something you thought was covered.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Reasonable_deductible\"><\/span><strong>Reasonable deductible<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Is the deductible charged reasonable? Some plans charge a deductible of about $300 for stolen or lost phones. So make sure to research well before reaching a decision. <\/p>\n\n\n\n<p>Remember to shop for insurance based on where you think things can go wrong. If you think a broken device is highly likely, make sure replacement deductibles are as low as can be. Likewise for a lost device.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Best_cell_phone_insurance_plans\"><\/span><strong>Best cell phone insurance plans&nbsp;<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"SquareTrade\"><\/span><strong>SquareTrade<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"wp-block-image size-medium\"><img decoding=\"async\" width=\"300\" height=\"196\" src=\"https:\/\/www.gizmogrind.com\/blog\/wp-content\/uploads\/2020\/07\/SquareTrade-300x196.jpg\" alt=\"squaretrade\" class=\"wp-image-1701\" srcset=\"https:\/\/gizmogrind.com\/blog\/wp-content\/uploads\/2020\/07\/SquareTrade-300x196.jpg 300w, https:\/\/gizmogrind.com\/blog\/wp-content\/uploads\/2020\/07\/SquareTrade.jpg 1000w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/figure>\n\n\n\n<p>SquareTrade offers affordable plans for mobile phone protection. Coverage is limited to accidental damages, including water immersion, drops, and electrical malfunction. Theft and cover loss are not included. You can insure any phone from any carrier for as low as $8.99 per month and not mandatory you buy coverage when your phone is new. A deductible applies for all covered claims and ranges from $25 up to $149, depending on the type of damage.<\/p>\n\n\n\n<p>You must purchase coverage within 30 days of the purchase of your phone.<\/p>\n\n\n\n<p>You will be given a refurbished or new product of similar features and functionality. Sometimes you will be given a gift card or cash settlement reflecting the replacement cost of a new item of equal functionality and features up to the coverage amount. You only allowed one replacement, although in some cases, especially when the product was defective, you are allowed additional replacements.<\/p>\n\n\n\n<p>You can cancel your policy anytime. If you cancel within 30 days, automatically you receive a full refund. If after 30 days, you receive a pro-rata refund depending on the time remaining on your service agreement.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Asurion\"><\/span><strong>Asurion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"wp-block-image size-medium\"><img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"118\" src=\"https:\/\/www.gizmogrind.com\/blog\/wp-content\/uploads\/2020\/07\/Asurion-300x118.jpg\" alt=\"Asurion\" class=\"wp-image-1700\" srcset=\"https:\/\/gizmogrind.com\/blog\/wp-content\/uploads\/2020\/07\/Asurion-300x118.jpg 300w, https:\/\/gizmogrind.com\/blog\/wp-content\/uploads\/2020\/07\/Asurion.jpg 728w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/figure>\n\n\n\n<p>It is good to note that most cell phone protection plans are provided through <a href=\"https:\/\/www.asurion.com\/phone-insurance\/features\/\" target=\"_blank\" rel=\"noopener\">Asurion<\/a>. Asurion is a third-party insurance company that provides coverage on various phones through participating cell phone carriers. You cannot buy an Asurion program on its own without a provider. Although these cell carriers use Asurion, each has a distinct name for its protection plan.&nbsp;<\/p>\n\n\n\n<p>Asurion offers full coverage, including loss, theft, water damage, and accidental damage. The best thing about Asurion is that it allows you to file a claim withing a matter of a few minutes through its website or on the phone, and guarantees next-day replacement. Asurion services are available at various carriers and retailers.&nbsp;&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"AppleCare\"><\/span><strong>AppleCare+<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"wp-block-image size-medium\"><img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"169\" src=\"https:\/\/www.gizmogrind.com\/blog\/wp-content\/uploads\/2020\/07\/AppleCare-300x169.jpg\" alt=\"AppleCare+\" class=\"wp-image-1702\" srcset=\"https:\/\/gizmogrind.com\/blog\/wp-content\/uploads\/2020\/07\/AppleCare-300x169.jpg 300w, https:\/\/gizmogrind.com\/blog\/wp-content\/uploads\/2020\/07\/AppleCare-1024x576.jpg 1024w, https:\/\/gizmogrind.com\/blog\/wp-content\/uploads\/2020\/07\/AppleCare-1536x864.jpg 1536w, https:\/\/gizmogrind.com\/blog\/wp-content\/uploads\/2020\/07\/AppleCare.jpg 1600w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/figure>\n\n\n\n<p>AppleCare+ is available only to iPhone users. Fortunately, AppleCare+ with Theft and Loss got your back in case your phone is lost or stolen. <\/p>\n\n\n\n<p>The Software support that comes with AppleCare+ is the most underrated benefit and adds tones of value for the price.<\/p>\n\n\n\n<p>The base plan only covers phone damage, such as screen damages. Each damage has its deductible with some costing higher than others.<\/p>\n\n\n\n<p>Coverage begins as low as $5.99 per month, and you have the freedom to add coverage up to 60 days after purchasing your phone.&nbsp;<\/p>\n\n\n\n<p>You will be given a phone that is new or equivalent to new in both reliability and performance.<\/p>\n\n\n\n<p>You can cancel your policy anytime. If you cancel within 30 days, you get a full refund less the value of any service provided. After 30 days, you get a pro-rata refund less a cancellation fee of $25 or 10% of the pro-rata amount, whichever is less.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"AT_T_Device_Protection\"><\/span><strong>AT&amp;T Device Protection<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"780\" height=\"330\" src=\"https:\/\/www.gizmogrind.com\/blog\/wp-content\/uploads\/2020\/07\/ATT-Device-Protection.jpg\" alt=\"AT&amp;T Device Protection\" class=\"wp-image-1703\" srcset=\"https:\/\/gizmogrind.com\/blog\/wp-content\/uploads\/2020\/07\/ATT-Device-Protection.jpg 780w, https:\/\/gizmogrind.com\/blog\/wp-content\/uploads\/2020\/07\/ATT-Device-Protection-300x127.jpg 300w\" sizes=\"(max-width: 780px) 100vw, 780px\" \/><\/figure>\n\n\n\n<p>AT&amp;T\u2019s Device Protection plans provide basic coverage that extends additional benefits, including ID protection, tech help, and cloud storage.<\/p>\n\n\n\n<p>The basic plan is offered at $8.99 per device per month, and it covers phones or tablets against theft, damage, loss, and out-of-warranty malfunctions.<\/p>\n\n\n\n<p>They have another tier that starts at $11.99 per month. With this tier, you get all perks as the $8.99 tier plus 24\/7 support, ID protection, and 50GB of Cloud-based photo storage.<\/p>\n\n\n\n<p>The multi-device protection pack costs $34.99 per month and covers three devices against theft and loss. You get 300GB of photo and video storage.<\/p>\n\n\n\n<p>AT&amp;T can reduce deductibles by up to 50% if you did not make a claim for six consecutive months or longer. These deductibles are assigned by tier level of your device\u2014price range from $25 to $299. <a class=\"rank-math-link\" href=\"https:\/\/www.gizmogrind.com\/blog\/iphone-screen-repair-and-replacement\/\">Screen repair<\/a> is provided at a reduced price of $49 for eligible devices.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Best_for_families\"><\/span><strong>Best for families<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p>If your children have cell phones, it is almost a guarantee one of them will damage or lose the phone. AT&amp;T got your back on this. For just $8.99, you can get coverage on one device that insures against theft, loss, and out-of-warranty malfunctions. This also includes same-day screen repair depending on your device.<\/p>\n\n\n\n<p>For $11.99 per month, you can get the same coverage with extra perks like 50GB of photo storage, 24\/7 tech support, and ID protection.&nbsp;<\/p>\n\n\n\n<p>For $34.99 a month, you can get the signature plan which insures against loss and theft, covers three devices, and has 300GB of photo and video storage. If you have non-AT&amp;T tablets or laptops, you can also get them insured under this plan.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Geek_Squad\"><\/span><strong>Geek Squad<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"283\" height=\"178\" src=\"https:\/\/www.gizmogrind.com\/blog\/wp-content\/uploads\/2020\/07\/Geek-Squad.png\" alt=\"Geek Squad\" class=\"wp-image-1704\"\/><\/figure>\n\n\n\n<p>Offered through Best Buy, this protection plan is also available to smartphones bought at other shops provided they have been bought within the last 30 days. Your phone must also be new, functional, and covered under a current manufacturer\u2019s warranty. With this plan, you will enjoy in-home services and lack cancellation and deductible fees. Sadly, it does not cover theft and loss.&nbsp;&nbsp;<\/p>\n\n\n\n<p>Price range from $7.99 to 10.99 per month for up to five years. Deductibles vary and can range from $149 up to $799.<\/p>\n\n\n\n<p>It does not cover water immersion, and you will be given a refurbished or new device of like kind and quality that is of equivalent performance.<\/p>\n\n\n\n<p>Geek Squad allows you to purchase a protection plan for another person or transfer your ownership of it to someone else.&nbsp;<\/p>\n\n\n\n<p>You are allowed to cancel your policy anytime without paying a cancellation fee. You will receive a full refund if you cancel within 30 days. After 30 days, you get a pro-rata refund of the price you paid for the plan depending on the percentage of the plan\u2019s unexpired term, minus the cost of any service offered.<\/p>\n\n\n\n<p><strong><em>Note: <\/em><\/strong>Although we found plenty of raving Geek Squad fans, we also found some troubling reviews online. We decided to let you decide and give you a fair warning.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Samsung_Premium_Care\"><\/span><strong>Samsung Premium Care<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"wp-block-image size-medium\"><img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"79\" src=\"https:\/\/www.gizmogrind.com\/blog\/wp-content\/uploads\/2020\/07\/Samsung-Premium-Care-300x79.png\" alt=\"Samsung Premium Care Logo\" class=\"wp-image-1705\" srcset=\"https:\/\/gizmogrind.com\/blog\/wp-content\/uploads\/2020\/07\/Samsung-Premium-Care-300x79.png 300w, https:\/\/gizmogrind.com\/blog\/wp-content\/uploads\/2020\/07\/Samsung-Premium-Care-1024x270.png 1024w, https:\/\/gizmogrind.com\/blog\/wp-content\/uploads\/2020\/07\/Samsung-Premium-Care.png 1194w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/figure>\n\n\n\n<p>Samsung Premium Care is an extended warranty that covers the latest smartphone, including the Galaxy S8, Galaxy S8+, Galaxy Note8, Galaxy S9, and Galaxy S9+. It lasts as long as you pay for the policy.<\/p>\n\n\n\n<p>Your covered for phone support and accidental damages including liquid spills, drops, and cracked screens. It does not cover stolen or lost handsets. <\/p>\n\n\n\n<p>You get up to three replacements each year and pay a $99 deductible for a repair. Mechanical breakdown coverage is limited.<\/p>\n\n\n\n<p>Prices range from $11.99 up to $19.99 per device a month<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Samsung_Protection_Plus\"><\/span><strong>Samsung Protection Plus<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Samsung Protection Plus supports Samsung smartphones from carriers like MetroPCS, AT&amp;T, Sprint, U.S. Cellular, T-Mobile, and Verizon. These plans are simple and hassle-free. Essentially, the company has two plans: one which costs $99 and the other, which costs $129.<\/p>\n\n\n\n<p>The $99 plan covers the Galaxy S4, Galaxy S5, and the Galaxy S6. The $129 plan covers the Galaxy Note 3, Galaxy Note 4, Galaxy Note 5, Galaxy Note Edge, Galaxy S6 edge, Galaxy S6 edge+, Galaxy S7, and Galaxy S7 edge. In other words, this plan covers a good fraction of Samsung flagship in the last few years. You are allowed two accidental damage claims annually.&nbsp;&nbsp;<\/p>\n\n\n\n<p>Overall the service is reliable. We found the Samsung Protection Plus that you can get from your carrier has faster turnaround times to get a replacement handset. The deductible is high however, Samsung screens are the best in the business but can oftentimes cost more than the market value of your used device if you break the screen.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Verizon_Total_Mobile_Protection\"><\/span><strong>Verizon Total Mobile Protection<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"200\" src=\"https:\/\/www.gizmogrind.com\/blog\/wp-content\/uploads\/2020\/07\/Verizon-Total-Mobile-Protection.png\" alt=\"Verizon Total Mobile Protection\" class=\"wp-image-1706\" srcset=\"https:\/\/gizmogrind.com\/blog\/wp-content\/uploads\/2020\/07\/Verizon-Total-Mobile-Protection.png 800w, https:\/\/gizmogrind.com\/blog\/wp-content\/uploads\/2020\/07\/Verizon-Total-Mobile-Protection-300x75.png 300w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/figure>\n\n\n\n<p>Verizon Total Mobile Protection protects against theft, loss, accidental damages, and more for multiple devices.&nbsp; Verizon allows you to insure up to 10 lines and guarantees convenience and fast replacement. Deductibles vary based on the device, and replacement phones can be delivered the same day.<\/p>\n\n\n\n<p>Single smartphones and watches can be enrolled for $13 per month. While multi-device (3 to 10 devices) for $39 per month.&nbsp; This offers affordable coverage for the whole family.&nbsp;<\/p>\n\n\n\n<p>The Wireless Phone Protection Plan covers your device in case of theft, damage, or loss for just $3 a month for basic devices and $6.75 for smartphones. You can receive up to three replacement phones annually.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"StayMobile\"><\/span><strong>StayMobile&nbsp;<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"505\" height=\"100\" src=\"https:\/\/www.gizmogrind.com\/blog\/wp-content\/uploads\/2020\/07\/staymobile.png\" alt=\"staymobile logo\" class=\"wp-image-1708\" srcset=\"https:\/\/gizmogrind.com\/blog\/wp-content\/uploads\/2020\/07\/staymobile.png 505w, https:\/\/gizmogrind.com\/blog\/wp-content\/uploads\/2020\/07\/staymobile-300x59.png 300w\" sizes=\"(max-width: 505px) 100vw, 505px\" \/><\/figure>\n\n\n\n<p>The StayMobile plan provides coverage for many things. From broken screen and buttons to overheating and defective pixels, this plan got your back. Minor issues will be addressed immediately and can file a claim through mail or at any StayMobile location. Special plans are also available for enterprise customers.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Protect_Your_Bubble\"><\/span><strong>Protect Your Bubble<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"337\" height=\"150\" src=\"https:\/\/www.gizmogrind.com\/blog\/wp-content\/uploads\/2020\/07\/Protect-Your-Bubble.png\" alt=\"Protect Your Bubble\" class=\"wp-image-1707\" srcset=\"https:\/\/gizmogrind.com\/blog\/wp-content\/uploads\/2020\/07\/Protect-Your-Bubble.png 337w, https:\/\/gizmogrind.com\/blog\/wp-content\/uploads\/2020\/07\/Protect-Your-Bubble-300x134.png 300w\" sizes=\"(max-width: 337px) 100vw, 337px\" \/><\/figure>\n\n\n\n<p>Protect the item you love form unexpected happenings with Protect Your Bubble for as low as $5.99 per month. It does not cover theft and loss and can bough within 12-35 months of buying a smartphone as long as your phone is still under warranty. Deductibles range from $75 to $150.<\/p>\n\n\n\n<p>You will get a replacement of like kind and quality. If not happy with the policy, you can cancel it anytime without penalty. You will receive a refund of any applicable unearned premium.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"eSurranty\"><\/span><strong>eSurranty<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"450\" height=\"100\" src=\"https:\/\/www.gizmogrind.com\/blog\/wp-content\/uploads\/2020\/07\/esurranty.png\" alt=\"esurranty\" class=\"wp-image-1709\" srcset=\"https:\/\/gizmogrind.com\/blog\/wp-content\/uploads\/2020\/07\/esurranty.png 450w, https:\/\/gizmogrind.com\/blog\/wp-content\/uploads\/2020\/07\/esurranty-300x67.png 300w\" sizes=\"(max-width: 450px) 100vw, 450px\" \/><\/figure>\n\n\n\n<p>eSurranty covers all major flagships and provides a range of plans. Prices depend on the smartphone you pick. There is no deductible with eSurranty, and you will receive up to $1000 cover per claim.<\/p>\n\n\n\n<p>You get accidental damage coverage (broken button, display cracks, and broken) with two claims allowed per year ($139). You can claim water damages for up to 2 times a year and will cost $69. You can also claim loss or theft once per year for $279.<\/p>\n\n\n\n<p>You must purchase the coverage within 30 days of purchase or on the insured phone.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Sprint\"><\/span><strong>Sprint&nbsp;<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"wp-block-image size-medium\"><img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"125\" src=\"https:\/\/www.gizmogrind.com\/blog\/wp-content\/uploads\/2020\/07\/Sprint-300x125.png\" alt=\"Sprint\" class=\"wp-image-1710\" srcset=\"https:\/\/gizmogrind.com\/blog\/wp-content\/uploads\/2020\/07\/Sprint-300x125.png 300w, https:\/\/gizmogrind.com\/blog\/wp-content\/uploads\/2020\/07\/Sprint-1024x425.png 1024w, https:\/\/gizmogrind.com\/blog\/wp-content\/uploads\/2020\/07\/Sprint.png 1200w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/figure>\n\n\n\n<p>Get discounted repair with Sprint\u2019s insurance plan Sprint Complete. For example, a cracked screen will set you back just $30, and you can get your device the same day if you bring it to various Sprint stores.<\/p>\n\n\n\n<p>Stolen and lost devices are covered. Be prepared to pay higher deductibles (from $50 to $300) for anything that goes beyond minor damages. It will cost more to insure expensive phones, and you will also incur higher deductibles. Any replacement phone will be covered for 12 months under a limited warranty.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"T-Mobile_Premium_Handset_Protection\"><\/span><strong>T-Mobile Premium Handset Protection<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"wp-block-image size-medium\"><img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"168\" src=\"https:\/\/www.gizmogrind.com\/blog\/wp-content\/uploads\/2020\/07\/T-Mobile-Premium-Handset-Protection-300x168.jpg\" alt=\"T-Mobile Premium Handset Protection\" class=\"wp-image-1711\" srcset=\"https:\/\/gizmogrind.com\/blog\/wp-content\/uploads\/2020\/07\/T-Mobile-Premium-Handset-Protection-300x168.jpg 300w, https:\/\/gizmogrind.com\/blog\/wp-content\/uploads\/2020\/07\/T-Mobile-Premium-Handset-Protection.jpg 800w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/figure>\n\n\n\n<p>T-Mobile\u2019s <a class=\"rank-math-link\" href=\"https:\/\/www.t-mobile.com\/optional-services\/premium-handset-protection-plans.html\" target=\"_blank\" rel=\"noopener\">Premium Device Protection<\/a> costs $12 a month and covers a \u201cpremium\u201d smartphone\u2019s theft, loss, and breakdown. Pricing varies based on the device you have. <a class=\"rank-math-link\" href=\"https:\/\/www.tomsguide.com\/reviews\/lookout-mobile-security\" target=\"_blank\" rel=\"noopener\">The Lookout Mobile Security Premium<\/a> is for iPhone owners who opt-in.<\/p>\n\n\n\n<p>You pay $12 when you buy your phone through T-Mobile\u2019s Jump! Plan. Additionally, you get everything that Premium Handset Protection offers.<\/p>\n\n\n\n<p>T-Mobile\u2019s standard Device Protection plan, which costs $10 per month is ideal if not interested in special services.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Credit_cards_that_offer_cell_phone_coverage\"><\/span><strong>Credit cards that offer cell phone coverage&nbsp;<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\"><li>Wells Fargo Propel American Express\u00ae card<\/li><li>Uber Visa<\/li><li>Ink Business Preferred\u00ae Credit Card<\/li><li>Citi Prestige\u00ae Card<\/li><li>U.S. Bank Visa Platinum Card<\/li><li>Bank of America\u00ae Cash Rewards credit card<\/li><li>IHG\u00ae Rewards Club Premier Credit Card<\/li><li>Citi Premier\u2120 Card<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Shocking_things_about_cell_phone_insurance\"><\/span><strong>Shocking things about cell phone insurance<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"You_dont_have_to_buy_insurance_from_your_carrier\"><\/span><strong>You don\u2019t have to buy insurance from your carrier<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Carriers are in the business of marketing and selling phones. Rarely will they insure them and rely on third parties like Asurion. So, if contemplating switching from one carrier to another, know that you could be dealing with the same insurer. If you don\u2019t want to get insurance through a carrier, companies like SquareTrade got your back.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Deductibles_could_equal_the_amount_you_paid_for_your_phone\"><\/span><strong>Deductibles could equal the amount you paid for your phone<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Most insurer caps claim at two times a year. This is a problem if you are rough with your phone. However, if you are prone to slippery fingers, it makes sense to invest in cell phone insurance.<\/p>\n\n\n\n<p>Consider this: today you can lease a new iPhone X from Sprint for $41.67 a month over 18 months. If you decide to insure it under Sprint\u2019s Total Equipment Protection, you will pay $17 a month. If accidentally you break that phone, your insurance deductible will be $275.&nbsp;<\/p>\n\n\n\n<p>Ultimately <a href=\"https:\/\/www.gizmogrind.com\/blog\/ways-to-get-the-best-value-out-of-your-phone\/\" class=\"rank-math-link\">taking care of your device<\/a> is the cheapest prevention. With a few prudent steps you really never have to break your phone again.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"You_have_little_control_over_your_replacement\"><\/span><strong>You have little control over your replacement&nbsp;<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Once you make a claim, you have little control over your replacement. The insurer largely determines the make or model of the phone you get. Sometimes you can be lucky to get the exact model or make. Other times, you will have to accept what your insurance company offers.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Is_it_a_good_idea_to_keep_your_credit_card_by_your_phone\"><\/span><strong>Is it a good idea to keep your credit card by your phone?&nbsp;<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Some people will advise you not to carry your credit card by your phone because of the magnet field produced by the small magnet in the speaker. While that speaker does create a magnetic field, the impact is too weak to wreak havoc to your credit cards. So, there is no need to worry.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Conclusion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>As you can see, there are a lot of great cell phone insurance plans, with each having some perks to offer. Understanding each insurance well is, therefore, a big plus before reaching a decision. If you find yourself unable to decide always ask for a hand. We would be happy to help if you need additional support!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>What is the best cell phone protection plan? Is cell phone protection plan worth it? Retailer and Third Party Phone Insurance Plans. Read our in-depth reviews to compare the best cell phone insurance plans<\/p>\n","protected":false},"author":1,"featured_media":1714,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"neve_meta_sidebar":"","neve_meta_container":"","neve_meta_enable_content_width":"off","neve_meta_content_width":0,"neve_meta_title_alignment":"","neve_meta_author_avatar":"","neve_post_elements_order":"","neve_meta_disable_header":"","neve_meta_disable_footer":"","neve_meta_disable_title":"","neve_meta_reading_time":"","footnotes":""},"categories":[8],"tags":[],"class_list":["post-1694","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mobile-phone-tips"],"_links":{"self":[{"href":"https:\/\/gizmogrind.com\/blog\/wp-json\/wp\/v2\/posts\/1694","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/gizmogrind.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/gizmogrind.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/gizmogrind.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/gizmogrind.com\/blog\/wp-json\/wp\/v2\/comments?post=1694"}],"version-history":[{"count":19,"href":"https:\/\/gizmogrind.com\/blog\/wp-json\/wp\/v2\/posts\/1694\/revisions"}],"predecessor-version":[{"id":2295,"href":"https:\/\/gizmogrind.com\/blog\/wp-json\/wp\/v2\/posts\/1694\/revisions\/2295"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/gizmogrind.com\/blog\/wp-json\/wp\/v2\/media\/1714"}],"wp:attachment":[{"href":"https:\/\/gizmogrind.com\/blog\/wp-json\/wp\/v2\/media?parent=1694"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/gizmogrind.com\/blog\/wp-json\/wp\/v2\/categories?post=1694"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/gizmogrind.com\/blog\/wp-json\/wp\/v2\/tags?post=1694"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}