Welcome to the Android Central Forums Create Your Account or Ask a Question Answers in 5 minutes - no registration required!
Results 1 to 13 of 13
Like Tree1Likes
  • 1 Post By B. Diddy
  1. Thread Author  Thread Author    #1  

    Default Insurance

    Has anyone purchased handset insurance?

    Sent from my Nexus 5 using AC Forums mobile app
  2. #2  
    crxssi's Avatar
    Linux: The power beneath

    Posts
    2,671 Posts
    Global Posts
    2,990 Global Posts

    Default Re: Insurance

    Quote Originally Posted by prissysox View Post
    Has anyone purchased handset insurance?
    I have had insurance for many, many years. But when I dropped Sprint and moved to T-Mobile with the N5, I didn't get insurance. Sprint was charging $11 per month, then fees on top of that. And then there is the totally insane $150 deductible. After a year, you could buy any phone on Ebay for that price or close to it.

    I never made a single claim. It was a stupid rip-off game that I should have stopped playing years and years ago... at least when they unreasonably bumped the prices/deductibles. I am a careful and responsible phone owner and shouldn't have to pay for every 15 year child's and absent-minded adult's phone issues.
  3. #3  

    Default Re: Insurance

    Not on my n5. The deductible on sprint and monthly rates are a joke. I could buy a new phone from Google off contract at almost the same price. I do have the total equipment insurance on my wife's iPhone though. Its a 200 dollar deductible then vs the ridiculous off contract price of an iPhone. That's where it makes sense. Coincidentally, this is one of the reasons I switch from an iPhone to n5.

    Posted via Android Central App
  4. #4  
    JeffDenver's Avatar
    Banned

    Posts
    2,924 Posts
    Global Posts
    2,945 Global Posts
    Carrier
    Perma-rooted and unlocked

    Default Re: Insurance

    Quote Originally Posted by prissysox View Post
    Has anyone purchased handset insurance?
    I purchased Square Trade to cover my Nexus 5.

    $75 deductible. And they will only cover repairs totaling what your phone costs. And you need to keep the receipt for your phone...it is required whenever you make a claim. Mine is about $6 a month I think. But they cover everything, even water damage. If I had had this on my cruise, it would have saved me about $350.

    Cell Phone Insurance - Cell Phone Warranty - Cellphone Insurance

    EDIT - Does not cover theft or loss, but will cover any actual damage, even if you caused it.
  5. #5  
    jj14x's Avatar

    Posts
    983 Posts
    Global Posts
    1,009 Global Posts
    Carrier
    Stock

    Default Re: Insurance

    Or see if your credit card will cover it.
    My bank's Mastercard covers my mobile phone as long as I pay the monthly cellphone bill with it (including accidental damage).

    (If you bought your phone from google play and paid using a credit card) Most major credit cards will extend the manufacturer's warranty by a year (Note: accidental damage is not included in manufacturer warranty) - most major cards will also provide 90 days or so of accident/theft from date of purchase - check your credit card benefits to confirm of course.
  6. #6  

    Default Re: Insurance

    I have insurance from Verizon, it is $5.18 per month and $99 deductible for my note 3

    When comparing insurance, make sure to compare coverage (some don't cover loss or theft), claim limit, and deductible.

    dpham00, Android Central Moderator
    Sent from my Verizon Samsung Galaxy Note 3 via Tapatalk Pro
  7. #7  

    Default Re: Insurance

    Quote Originally Posted by jj14x View Post
    Or see if your credit card will cover it.
    My bank's Mastercard covers my mobile phone as long as I pay the monthly cellphone bill with it (including accidental damage).

    (If you bought your phone from google play and paid using a credit card) Most major credit cards will extend the manufacturer's warranty by a year (Note: accidental damage is not included in manufacturer warranty) - most major cards will also provide 90 days or so of accident/theft from date of purchase - check your credit card benefits to confirm of course.
    Make sure to read the terms closely. I know American express purchase protection is 90 days but only covers up to $300 and explicitly excludes cell phones

    dpham00, Android Central Moderator
    Sent from my Verizon Samsung Galaxy Note 3 via Tapatalk Pro
  8. #8  
    jj14x's Avatar

    Posts
    983 Posts
    Global Posts
    1,009 Global Posts
    Carrier
    Stock

    Default Re: Insurance

    Quote Originally Posted by dpham00 View Post
    Make sure to read the terms closely.
    Absolutely!

    Quote Originally Posted by dpham00 View Post
    I know American express purchase protection is 90 days but only covers up to $300 and explicitly excludes cell phones
    See above My Amex card's terms do not exclude cellphones, and cover "up to $1,000 for any one Covered Incident and up to $50,000 for all Covered Incidents during a calendar year" for purchase protection benefit. Different cards have different provisions, so absolutely, read the terms very closely.
  9. #9  

    Default Re: Insurance

    I have SquareTrade as well. $125 for 2 years (a little over $5/month), but currently, I noticed a sale on their website that brings it down to $99. As mentioned above, no theft protection, but I'm concerned mostly about damage. The $75 deductible is much better than when I had Asurion on Verizon. For me, the key time for insurance is in the first few months, where accidental damage can be a real bummer--may not be covered by your credit card, certainly not covered by warranty. It's good peace of mind for me to know that if I thrashed this phone by accident, I only need to pay $75 instead of $400 to get another.

    Posted via Android Central App
    srkmagnus likes this.
  10. #10  
    srkmagnus's Avatar

    Posts
    13,142 Posts
    Global Posts
    13,146 Global Posts
    Carrier
    Stock 4.4 (KitKat)

    Default Re: Insurance

    I hear Square Trade offers a fantastic insurance. I have Sprint and recently had to get a replacement for a damaged screen. Paid $100 for the replacement and it came the next business day.

    Sent from my Nexus 5 using AC Forums mobile app
  11. #11  

    Default Re: Insurance

    I also have Squaretrade. My screen got cracked on the corner, and I they gave me the option to have it repaired locally and they would reimbursement once I sent in the receipt, or I could send it in to them for repair. Luckily I still had my Galaxy S3, so I paid the deductible, sent my phone in on a Friday, and received it back the following Friday.

    I must say this though, my black Nexus 5 was repaired and working as it should. However, Squaretrade repaired it with the case that goes with the white Nexus 5. Initially, I was perturbed; I called their customer service; they apologized, and asked me to send it back so they can correct it. After using it over the weeked, I decided to keep it. I think it's kinda cool to have the black version, with the white earpiece grill on the front. Because I must admit, on many many occasions, I would pick up my phone and if the screen wasn't on, I'd have to figure out which end is right side up.

    I've attached a picture of how it looks.
    Insurance-20140215_100227.jpg
    Attached Thumbnails Attached Thumbnails Insurance-20140215_100101.jpg  
  12. #12  

    Default Re: Insurance

    Welcome to Android Central! That's actually kind of cool!
  13. #13  

    Default Re: Insurance

    Quote Originally Posted by B. Diddy View Post
    Welcome to Android Central! That's actually kind of cool!
    Thanks! :-)

    Posted via Android Central App

Similar Threads

  1. Replies: 9
    Last Post: 03-02-2014, 03:43 AM
  2. Moto Care insurance worth it?
    By DCSholtis in forum Moto X (2013)
    Replies: 15
    Last Post: 02-15-2014, 07:36 AM
  3. Replies: 2
    Last Post: 02-12-2014, 04:32 PM
  4. Verizon: Insurance open enrollment until 3/17
    By dpham00 in forum Verizon
    Replies: 2
    Last Post: 01-29-2014, 10:22 AM
  5. Replies: 26
    Last Post: 01-26-2014, 11:57 AM

Posting Permissions