1. mjnoles1's Avatar
    I currently have Sprint Insurance and I have had it for a while.

    I am just curious if someone had both, what is the difference between the two, and which one is overall better?
    11-19-2013 09:07 AM
  2. slideways's Avatar
    I had Sprint Insurance up until the G2 at which point I switched to BB insurance. BB insurance is cheaper ($10/mo) but doesn't cover lost/stolen devices otherwise they sounded identical. The deductible is a flat $150 for all devices. Still new to me as well but the cheaper per mo. sold.
    11-19-2013 10:26 AM
  3. Vladabeast's Avatar
    I prefer getting it through sprint basically it's th same except it cover lost and stolen and the deductible is 100$

    Posted from my LG G2
    11-19-2013 07:51 PM
  4. ffejjj's Avatar
    Best Buys insurance is a one time fee of 169$ that you can use numerous times at no additional charge. With Sprint you have to pay the monthly charge and a 100$ - $150 deductible

    Sent from my HTCONE using AC Forums mobile app
    11-19-2013 08:03 PM
  5. slideways's Avatar
    Best Buys insurance is a one time fee of 169$ that you can use numerous times at no additional charge. With Sprint you have to pay the monthly charge and a 100$ - $150 deductible

    Sent from my HTCONE using AC Forums mobile app

    That is not correct. Best Buy insurance is 9.99/mo. And last I checked Sprint deductible is $150 or $200 for smartphones. Best Buy deductible is $150 no matter the smartphone.
    11-20-2013 12:45 AM
  6. disney4life2005's Avatar
    I have Best Buy Black Tie Protection and its 10 a month per phone and No Deductible. If my phone breaks I bring it back to the store and within a few Business days they have me another one. I had it for 2 years on my s2 and now my Lg Og and my Families' phones. I prefer it over Sprint insurance.

    Posted from my Lg O.G. over Sprint in Orlando
    11-20-2013 07:33 AM
  7. anon(680971)'s Avatar
    I had the Best Buy insurance on my Galaxy S2, in September they switched the plan to have a deductible. My first upgrade on one of my lines I went through Sam's club. They have a special Squaretrade which has a $50 deductible but they cover all but lost or stolen. I got the monthly one with my other new line that I ordered directly from Sprint because I use cases and it was $6 a month. I recommend Squaretrade as I've used them for tons of stuff and the ones I've had to claim have made up for what I've spent on ones I've not had to claim. Only thing I suggest something else is iPhones because Applecare is great for those.
    11-20-2013 09:16 PM
  8. xodus1914's Avatar
    I just used Sprint's ASSURION service this week for my G2.. It's $11 a month with the $ 150 Deductible. I don't know about you, but these phones are not cheap off contract. They are targets of thieves and I can't see myself using insurance that did not cover lost/stolen.
    11-26-2013 09:10 PM
  9. Do oR Die's Avatar
    LG G2 is always put of stock for Asurion. They offer the Note 3
    01-15-2014 02:59 AM
  10. Robynsnest's Avatar
    Basic difference is BB doesn't cover lost/stolen Sprint does and let's face it that's what happens more than anything.
    01-15-2014 05:40 PM
  11. bigtank's Avatar
    Or you could just save the monthly charge and get a Nexus5 if something does happen
    01-16-2014 11:27 AM
  12. Just_Some_Schmuck's Avatar
    Here's my thoughts on the matter... let me appoligize now for what will probably be a long post, to get to my end result. If you want to skip to the last part for my opinion, that is fine, just detailing the steps that lead me to this conclusion. Scroll to paragraph starting with ***OK... for the quick answer.

    I've been a Nextel to Sprint customer for over 10 years, never had any insurance on my Motorola Nextel phones, you could whip those things at a wall, and the worst thing that happened would be a scratch or 2. (yes, I have done that a few times)

    In March of 2010 I decided I wanted a BlackBerry Curve, on Sprint, but wasn't sure how well this more delicate device would hold up in a rough environment (I drive a semi-truck for a living, a drop while entering or exiting the vehicle would be about 4-6 feet). So I bought the phone, at a Sprint store, along with an Otterbox Defender and the Sprint insurance.

    Let me deviate for a moment to express the importance of a good protective case for your device. I got the phone on a Thursday, the following Monday I dropped it (unknown to me at the time) in the middle of a busy street (fell out of the holster, after I failed to fully secure it I believe). I went about my business, and started back down the road. Went to make a call and I was horrified to not be able to find my device in my truck. I realized the best thing to do was to retrace my steps, it had to be a in a pretty small area. So I headed back to my customer, thinking I was gonna need to look in the parking lot, as I approached the driveway, I noticed a small black object in the traffic lane of the road out front. Yup, you guessed it, it was my 4 day old BlackBerry, face down in the tire ruts in the road! I had stopped outside the lot before entering earlier and spoke with a gentleman for the place I was going, I needed his phone number for a call later in the day. As we were standing in the street, I must have dropped it there. Anyway, where the phone landed, and must have sat for a good 15 minutes, I find it hard to believe it wasn't hit by a vehicle, it may have been, but I couldn't find any indication of this, it was just fine, in good working order and no cosmetic damage other than some dirt that wiped away. Like I said, it was lying face down in the street, if that case wasn't on it, I'm sure I would have at least had a scratched screen, and probably the keyboard too. As far as phones and protective cases go, my advice, and I know this phrase is usually used in another context, but, "Wrap That Rascal"!

    I few minor drops later and a year had passed without needing the insurance, and being a (at the time) Sprint Premier customer, I was still eligible for an upgrade, until the program ended at the end of that month. I could get a newer model BB Curve for free at Best Buy (was $49.99 @ Sprint). But, in March of 2011, the dropped calls on Sprint had turned just Horrible (yes, very much worse than it is today) and I wasn't sure if I wanted to sign a 2 year agreement just to get a new phone. While talking to a rep at Best Buy, he told me that if I got Geek Squad Black Tie Protection, I could also get (for an additional $30) the Best Buy-Buy Back program, where on a sliding scale, starting at 50% of the original cost of the phone for the first 6 months, I could sell it back to Best Buy. I told him great idea, so on a free phone they would give me back 50% of FREE! By my math, that's $0.00. He countered with NO, 50% of the off contract price of $469! OK, much better, that works out to about $235, enough to pay off my ETF with Sprint and have a few bucks to put towards a new subsidized device on a new carrier if I need to switch due to the dropped calls. Of course at the time there was no deductible on the insurance, and it was the same $10/mo. as Sprint. Perfect for my situation, sign me up! And as an added bonus, the new Curve had the same body as the old one, just different internals, so my Otterbox would slip right on!

    Another 15 months went by, no need for the insurance, but I had it. By this time I was getting really sick of my beloved BlackBerry. I was hanging out with people that had Android and iPhones and I had my BlackBerry. It was like hanging out with people that had Blu-Ray players and DVD players and what I had was more like a 4 Head Stereo VCR with S-Video! Something that at one time was cool, but had since been passed by the technology express. I wanted an Android device, bad. While paying my bill on the Sprint website, I noticed they were telling me I was again eligible for an upgrade (to this day I still don't know WHY, but I wasn't about to argue with them about it). In just a few weeks from then, the HTC EVO 4G LTE was supposed to hit the stores on June 2, 2012. I had a goal to reach. Hit Best Buy on release day, got $140 (30% of 469) for my old BlackBerry with the Buy Back program (so many BB's I can't abbreviate much without making this confusing), a $50 Gift Card, that I could even use on THIS purchase, so the $199 phone (on 2 year contract) was only $9.00 out the door! Tack on another $30 bucks for a Buy Back plan on the EVO and another (about) $50 for a new Otterbox, and I was strolling out of the store with a big smile on my face and some great new gear for under a hundred bucks! NICE!

    I had been telling people for a long time that the program that Best Buy had was awesome, and recommending it to everyone. But, if you've read his far, don't stop now, Keep reading.

    On the morning of New Years Eve 2013 (just 19 days before I am typing this) I picked up my EVO, turned it on and all I could see was a bunch of brightly colored pixels in some random order. Nothing I could do would make this device usable. Things were happening under the screen, it still made noise when messages came in, I just couldn't read them (or unlock the phone, or worse yet, power it down, bad side of non removable battery). Off to Best Buy I went to stand in line at the counter. Of course the line was long, after all, it was just a week after Christmas. Finally got to the front of the line and was told they would send my phone in for a replacement, none in stock at the store. No charge for the refurbished replacement, but was told it would take 3-5 days to get to the store. I told him I needed a loaner, he said the policy had changed and they no longer did that. Let me shorten this part up, after talking to a couple of other people, one a manager, it was decided that the original contract I signed allowed for a loaner, so I could get one, but I needed to supply a $50 deposit on the loaner. So, they gave me a beat up old Kyocera Rise to use for my waiting time. By no means the perfect outcome, but it would get me by. Best Buy processed my order right away, I got a confirmation email that contained a tracking number for a UPS GROUND(?) package with a new EVO being sent to Best Buy store. Ground? I thought you told me expedited claim! Anyway, that all went down on a Tuesday, then Wed. was New Years Day, then there was a weekend, got the replacement EVO on Monday. The device is fine, battery and screen and shell are in like new condition, and I got my $50 back for the Kyocera loaner. So, 7 days later I am whole again, less a bit of screwing around to get there. I guess the long wait is at least partly to be blamed on my old EVO and the timing it had with deciding to fail.

    ***OK, enough background, the meat of my answer is this: Best Buy used to have a good program for insurance, and the added benefit of the Buy Back program... AT ONE TIME. It is my understanding that both of these programs have changed over this time. Or maybe I should more clearly put it, have been GUTTED! If the new insurance has a $150.00 deductible now, and the Buy Back has been discontinued, I will NOT be getting either one the next time I upgrade.

    The new idea is this, I have an upgrade coming next month, (after 20 months) one of the phones I'm thinking about is the G2, that's why I'm reading here. When I buy my next phone, I will not take on the extra expense of insurance from anyone. Unlike my past devices, my EVO is still a pretty decent device by most standards, and it still works. I could trade it in to Best Buy under the terms of my original plan, and they will give me $140 for it. But, I will just eat the $30 I paid for this privilege up front and just keep my old EVO LTE for a spare. Or maybe just use it as an MP3 player that doesn't need to use the battery on my phone. An Android based MP3 player would cost more than that at about $250 or more, and would be running Gingerbread, my EVO is on 4.1.1, and HTC says it will still get 4.3 sometime next month. Also, if I ever wanted an extra line for a short time, I could just put it on Boost or Ting or even Sprint without a contract. That seems like a no brainer to me. So I say, save your old phone as a back up and forego the insurance. And don't forget a protective case.

    One more piece of number crunch, insurance at $10/mo. over the course of a 2 year contract would set you back $240, if you never make a claim, that's just money you gave away. Now, say after 19 Months (too early for upgrade) you need to make a claim, you've paid in $190, then tack on that $150 deductible and you are looking at about $340 to get a refurbished device, or for almost that same money you could buy a new Nexus 5 with no contract. Of course the Nexus 5 is another one of my options anyway, so I might just buy that one outright and save my upgrade for sometime down the line. Even if you don't like these options, there are plenty of good recent phones out there that can be had for not much on the used market. Personally I think that current insurance plans are a great idea, if you are the one SELLING it, not so much if you are the one paying for it. Put your $10/mo. (or more if you can) in a piggy bank and save it as your own personal insurance. Unless you need to make a claim in the first few months, you'll be about as well off or better with deductibles factored in. And, in the first few months, the phone should have a warranty from the manufacturer.

    My ideas may or may not work for you, but that is my strategy. Best of luck in whatever you decide.
    01-19-2014 06:11 PM
  13. ffejjj's Avatar
    Not bad if the phone lasts for a while.

    What if your phone breaks after having it for a month? Or even a week? Hopefully it won't but if your phone breaks is $150 to replace it with insurance

    The longer you go without needing to do so the more your cost is. Guess what you have to device is whether or not peace of mind is worth the $10 a month to you. For me the answer is absolutely

    My Evo lte Filling the shoes of my HTC One
    01-19-2014 07:54 PM
  14. Quis89's Avatar
    What if I don't want to use my old phone? I bought a G2....i love my G2. If something happens....I want my G2. Insurance it is for me. I upgraded for a reason. Plus it allows for me to go into the store for a mechanical issue free of charge rather than messing with the manufacturer.

    Sent from my LG-LS980 using AC Forums mobile app
    01-20-2014 12:53 AM
  15. NJD_fan's Avatar
    Just found this post but wanted to comment as I have BB insurance too.

    Recently found out about the plan change as I had to bring my phone for a replacement. Even though there's now that deductible, I was grandfathered in so I didn't have to pay it. Phone was replaced free of charge.

    I then had my phone broken 2 weeks later at work and went back, they replaced that one once again. I was also told that whatever new phone I get, the plan would transfer over the same exact way.

    If not, i'll just switch to Asurion or one of the other available plans.
    05-02-2014 01:29 AM
  16. buffdaddy72's Avatar
    I had a pretty good experience with BB Black Tie protection. A couple months ago I was walking into work and my phone (had an SIII at the time) fell out of my bag and on to the parking lot. I didn't realize it fell out until I got into the office and ran down to the parking lot to grab it. Believe it or not a car ran over my phone and completely destroyed the screen.

    I brought it to BB on my lunch break and they inspected it and they said they would have to send it off to get it replaced. In my case it was only a 24 hour turnaround which was great, albeit the replacement was a refurb but was in excellent condition. Also with the Black Tie insurance you get a one time battery replacement and a one time charger replacement.

    I bought a used G2 on Ebay and tried to swap the insurance from the SIII to the G2 but BB would not let me do that. So I'm using the Sprint insurance for now until I get a new phone this Summer or Fall.
    05-03-2014 07:48 AM
  17. Uglyfido's Avatar
    BB can go eat it. I used to love them, now I hate them. I had insurance on my Galaxy S2 through BB, and I had the premium buy back plan as well. the only thing I ever used my insurance for was getting a new battery since the ICS update fried mine. When I got my G2, I was told that my premium buy back plan was only going to net me ~$20. I told them they better go back and check again since I knew what I had paid for at the time. After some checking, I at least got them up $75, which was still less than what I was told originally at the time of purchase, but better than their first offer. They then told me that my insurance was transferable, and that I needed to call Geek Squad to do it. So, since it was late that night, I called them the next day. geek Squad then told me that my insurance was non-transferable, and that I had to cancel my old policy on my S2 and start a new one, but that the only way I can do that its at the store, while purchasing the phone. I argued with them for a long time since I was told the exact opposite in the store. My call ended with me having no insurance, and requiring another trip to BB in order to get it. Well, BB is not close to me, and so by the time I got back out there a couple weeks later, they said it had been too long and that I couldn't get insurance through them now. This also made me miss my window of opportunity through Sprint. So now my phone has no insurance, and I blame it solely on the run around I got from the crappy customer service at BB.

    TL;DR version- BB customer service blows, and they have no clue what they are talking about when it comes to cell phone insurance.
    05-03-2014 02:19 PM

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