Dropped the phone with Whitestone applied.

[h2ofun]

I just talked to my state farm agent in Calif and was told there is no coverage for phones, tablets, etc for screen breakage. Now if my house burns down, it would be covered will all the other stuff.

 

[toenail_flicker]

I just talked to my state farm agent in Calif and was told there is no coverage for phones, tablets, etc for screen breakage. Now if my house burns down, it would be covered will all the other stuff.

very true. if you want State Farm type of coverage you can check Worth Ave Group.

 

[Teamjones]

Instead of paying $50 for a damn screen protector, call your home owner's insurance and add electronic goods coverage to your policy. My policy charges me $17 per year for $5k of coverage. $50 deductible. They replaced my Pixel after I dropped it.

Who are you with??

 

[xxaarraa1983]

Who are you with??

Liberty Mutual.

 

[Zoran Vanderlei]

Does the white stone work with spigen tough armor case?

Yes, that's the combo I'm going with at the moment

 

[notefreak]

What if in fact, the act of screen protector breaking itself can cause damage to the screen? I never rely on TG to protect my screens. I just like them because of the look and feel.

 

[bertsirkin]

some insurers won't allow that. like mine.

and mine.

 

[trucksmoveamerica#AC]

I have the same company as you, i just went through the process of getting my son's surface pro replaced (he knocked off his desk and cracked the screen). They sent me a check for the replacement cost to buy a new surface (minus the $50). I talked at length with the claims rep and she was very adamant that this would not change my future rates.

It probably won't raise your rate for this one claim, but it's counted as a claim against your home insurance, the second claim might raise your rates. Claims do count against your policy, to many of them will raise your rates or get you a cancellation letter.

A good insurance rep will tell you not to file small claims against your homeowners policy, phone claim is a small claim. Think about it, if you going to file for every little thing like this, after a couple or three claims they are going to be reviewing your account and probably get cancelled.

So, no your rates probably won't go up, but you now have a claim against your homeowners policy, one step closer to a rate hike or cancellation. Think I'm kidding, I know of 2 people that got cancellation letter on their third claim, and they were not not big claims and different insurance companies.

 

[pool_shark]

It probably won't raise your rate for this one claim, but it's counted as a claim against your home insurance, the second claim might raise your rates. Claims do count against your policy, to many of them will raise your rates or get you a cancellation letter.

A good insurance rep will tell you not to file small claims against your homeowners policy, phone claim is a small claim. Think about it, if you going to file for every little thing like this, after a couple or three claims they are going to be reviewing your account and probably get cancelled.

So, no your rates probably won't go up, but you now have a claim against your homeowners policy, one step closer to a rate hike or cancellation. Think I'm kidding, I know of 2 people that got cancellation letter on their third claim, and they were not not big claims and different insurance companies.

It's a separate policy from homeowners insurance. It's a personal propert policy. At least it will be with state farm.

 

[felloffthetruck]

It looks like it's out. https://forums.androidcentral.com/e...ed-glass-screen-protector.html&token=lTncrgHs

That's not it.

Here it is (Bodyguardz Pure Arc ES) and in the YouTube video it looks like a complete mess.

https://www.bodyguardz.com/pure-arc-extra-secure

 

[trucksmoveamerica#AC]

It's a separate policy from homeowners insurance. It's a personal propert policy. At least it will be with state farm.

Right it's rider, but it still reflects on the actual homeowners policy. I do think there are some insurance companies that it's not a rider, it's included in the policy.

I had an insurance company, state farm, put a mark against me just for asking if something is covered, never filed the claim, just asked.

Any way, just wanted to throw out there that filing under homeowners policy might not be that great of an idea, unless you like shopping for insurance all the time.

Don't want to derail this thread to much, back on course we go.

 

[pool_shark]

Right it's rider, but it still reflects on the actual homeowners policy. I do think there are some insurance companies that it's not a rider, it's included in the policy.

I had an insurance company, state farm, put a mark against me just for asking if something is covered, never filed the claim, just asked.

Any way, just wanted to throw out there that filing under homeowners policy might not be that great of an idea, unless you like shopping for insurance all the time.

Don't want to derail this thread to much, back on course we go.

Doesn't matter now, state farm just got back to me and said they stopped cell coverage this year.

 

[trucksmoveamerica#AC]

Doesn't matter now, state farm just got back to me and said they stopped cell coverage this year.

State farm told be there was no coverage or add on coverage for cell phone breakage a couple years ago, that's when they explained to meb why it's a bad idea to claim cell phone breakage.

 

[toenail_flicker]

but you now have a claim against your homeowners policy

Personal Articles policy is where most insurers would place the item. PA claims don't impact your HO insurance, only claims against that do. still, it's not the best place to be making claims since you are reviewed for your overall situation.

 

[trucksmoveamerica#AC]

Personal Articles policy is where most insurers would place the item. PA claims don't impact your HO insurance, only claims against that do. still, it's not the best place to be making claims since you are reviewed for your overall situation.

That's what I mean, overall, it all counts against your policy in the end.

 

[queenren]

Isn't this just sad overall when you think about it? Not to derail the thread but...

It's just a shame that when you make a claim on your insurance policy, that they count it as a point against you? You are using the service that you have been paying for probably for years, and when you finally need help, they dock you for it and raise your rates? Just think if health insurance was like that...

 

[leerandall]

I had this discussion with my homeowner's insurance company a couple years ago for an actual home (non-personal-property) issue. I was told that, not only would my policy be cancelled if I made a third claim, but the fact that my policy would be cancelled would also preclude me from getting homeowner's insurance from ANY OTHER insurance company as well. And the one thing that a homeowner CANNOT do without is homeowner's insurance, which also covers things like fires and other very expensive damages.

 

[zipro]

Instead of paying $50 for a damn screen protector, call your home owner's insurance and add electronic goods coverage to your policy. My policy charges me $17 per year for $5k of coverage. $50 deductible. They replaced my Pixel after I dropped it.

Unfortunately they don’t usually pay for cosmetic damage - if your screen is broken: no problem. If it gets scratched, however, they won’t pay.

As for the Zagg reduces screen sensitivity quite a bit and the edges are visible. I’ve had the Z on for a month now but it’s driving me nuts, so ordered the Whitestone now.

 

[vwite]

I beg to differ. If there was no screen protector, wouldn't it have been the screen to crack? At least, I think that's the point of glass protectors. I could be wrong. Wouldn't be the 1st time. ������

as mechanical engineer, sorry big NOOOOO

if you put an egg on concrete and drop your wallet on top of it and it cracks, does that mean the concrete would have cracked instead if there was not egg?

If you want drop protection, use a good case engineered for impact protection

 

[chanchan05]

as mechanical engineer, sorry big NOOOOO

if you put an egg on concrete and drop your wallet on top of it and it cracks, does that mean the concrete would have cracked instead if there was not egg?

If you want drop protection, use a good case engineered for impact protection

Won't it work more like the wood panels furniture makers use? If they took a hammer directly to the wooden furniture, it would dent. However they use panel as cushioning so they can exert force to the furniture but spread it over s larger area hence no dents. AFAIK that's the idea of tempered glass protectors. Since force travels the path of least resistance, that means more force would be spread through the protector before being exerted on the screen itself. So it cracks before the screen does and the cracking constitute a change in force so the force that cracked the protector won't be transferred to the screen anymore. Of course a sufficiently strong force will still break the screen even with a protector.