[Cindir4]

What is everyone doing about insurance for your new phone? I bought directly from Samsung but declined their insurance. It is stupid expensive from Verizon. Do you insure or take your chances?

[williams448]

Squaretrade

[buzzy3970]

They're comparable if you go for the basic plan from Verizon which honestly is all you need. The only thing I dislike is that they don't offer protection for unlocked phones. With that being said I haven't had any protection in about a year. Always good with my phones. Haven't cracked a screen since the Evo 4G. I do however misplace my older phones a lot lol but since they're not my daily driver I don't worry and always end up finding them days later.

What is everyone doing about insurance for your new phone? I bought directly from Samsung but declined their insurance. It is stupid expensive from Verizon. Do you insure or take your chances?

[Lobwedgephil]

I go with Samsung insurance, but believe you have to get it when you order. Only needed it once, but was a painless experience.

[Mooncatt]

I would consider Verizon's extended warranty which isn't very expensive and is for the life of the phone as long as you pay the subscription fee. It's not the full on accident insurance but I always keep phones cased and never had any accidental damages. If you've had a similar history, then that's my suggestion. If you're clumsy, then I would seek out accidental insurance.

[kjjb0204]

Isn't the standard Verizon insurance around $6 per month? That's the plan I have on my S10 and it includes device replacement with $199 deductible.

[Mooncatt]

Isn't the standard Verizon insurance around $6 per month? That's the plan I have on my S10 and it includes device replacement with $199 deductible.

It depends. Extended warranty is $5/mo with no deductibles. The full blown "Verizon Protect" is $17/mo and has a deductible. Then there's the options in between.

http://www.verizonwireless.com/suppo...parison-chart/

[bhatech]

None since I don’t keep my phones long enough and also it’s an overkill for me if i keep getting insurance. If something happens i can pay the repair costs or replacement, anyway the cost of not paying phone insurance for all these years covers a few phones easily. Though it’s just my personal preference

[Mike Dee]

I go with Samsung insurance, but believe you have to get it when you order. Only needed it once, but was a painless experience.

You can add it within 30 days unless something has changed

[Mike Dee]

Isn't the standard Verizon insurance around $6 per month? That's the plan I have on my S10 and it includes device replacement with $199 deductible.

For 6 dollars I don't think that includes damage and loss unless they have changed drastically

[BrwnSuga3]

None since I don’t keep my phones long enough and also it’s an overkill for me if i keep getting insurance. If something happens i can pay the repair costs or replacement, anyway the cost of not paying phone insurance for all these years covers a few phones easily. Though it’s just my personal preference

I feel the same way, I had insurance on everyone phone I had and never had an issue. I stopped getting insurance when I got my SO+ and up and haven't had any issues...thankfully

[bhatech]

I feel the same way, I had insurance on everyone phone I had and never had an issue. I stopped getting insurance when I got my SO+ and up and haven't had any issues...thankfully

Yeah I hate to just throw away $10 or whatever every month and on top of that is something breaks you have deductible etc in most cases. Even if it's not there for me personally it's not that big of a deal paying for repair or replacement. Its more of I'll pay when it's needed and don't want to just keep paying this monthly insurance thing forever that too for a phone. And moreover it's a low percentage of chance of breaking given that phone is in a case.

Before someone says why do you need home or car insurance. Yeah I need it because there is lot more complexity, legal impacts and many other scenarios with multiple parties involved etc and the impact cost there is not comparable to any electronics insurance

At the end, it's preference. Just my 2 cents doesn't mean you shouldn't get phone insurance.

[Cindir4]

I use to have insurance through Verizon but it is now $50 a month for 3 phones! I only saw
the $17 plan which I think is way too high. I don’t think I have ever had to use it on my phones, but when son was on our plan he broke or lost 3! Glad I had it then. Don’t have insurance now. So far I get a new phone every year but gonna try to stop that. Leaning towards no insurance but damn these phones are getting expensive.

[Cindir4]

You can’t insure unlocked phones with Verizon??

[Beth Hahn]

I usually get insurance for the first few months till I get more confident in the phone and the case. Tho I did have an issue with my s10 I can't remember what it was. I'm with Verizon. I logged on to my Verizon, added the warranty, and the same day I was able to do a request and get another phone shipped to me the next day. I was surprised they didn't have like a waiting period before having to make a claim. But unfortunately this time I got an unlocked phone so my options are limited. I thought about buying the unlocked model from Best buy so I could do geek square but their insurance isn't the best. So I might just do square trade monthly for the next month or so. Best investment for me is a good case and the Whitestone some protector saved my phone a lot

[stanleybb50]

The preorder on Samsung did a good job of selling me on their service. Thus, I signed up for nfir it and dropping Verizon protection.

[Mooncatt]

You can’t insure unlocked phones with Verizon??

I think you can, but have to take it to store to be inspected and cleared as being in good working order (which is true even for their own phones if you didn't add it within the grace period after the initial purchase).

[Kilroy672]

Squaretrade

How much do they charge?

[Kilroy672]

T-Mobile charges &15 a month. Which I think it's overly priced.

[DanielLoreti]

T-Mobile charges &15 a month. Which I think it's overly priced.

They're about to raise in April https://www.tmonews.com/2020/02/t-mo...rice-increase/

[buzzy3970]

No at least not if it's an existing line.

You can’t insure unlocked phones with Verizon??

[buzzy3970]

It's going up to 18 in April...

T-Mobile charges &15 a month. Which I think it's overly priced.

[buzzy3970]

See FAQ attached. Existing lines can't add protection to unlocked phones.

I think you can, but have to take it to store to be inspected and cleared as being in good working order (which is true even for their own phones if you didn't add it within the grace period after the initial purchase).

[pgg101]

What is everyone doing about insurance for your new phone? I bought directly from Samsung but declined their insurance. It is stupid expensive from Verizon. Do you insure or take your chances?

Check your credit card. Some credit cards offer protection for your purchases up to a lifetime maximum.

[physicsguy]

So I read the fine details of the Verizon Total Mobile Protection Multi-Device I have on my account and it seems like since I purchased the phone from Samsung and activating it on an existing line, it isn't covered. Well, crap. Also, to think about the months of paying $45 a month when I've never filed a claim, I'm already $$$ behind and probably paid well more than a total phone replacement purchase.

Now I'm considering dropping the Verizon protection on the other 4 lines on my account and just picking up SquareTrade or something for just the S20+ instead. The other 4 phones (wife and kids) are all older apple models and I'm sure I'm bleeding money with the insurance I already have.

Of course, I'll drop the protection and that's when my 14 year old will lose her phone...