Insurance

crxssi

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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.
 

ianhanson85

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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.

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JeffDenver

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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.
 
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jj14x

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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.
 

dpham00

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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
 

dpham00

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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
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jj14x

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Make sure to read the terms closely.
Absolutely!

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.
 

B. Diddy

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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.

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srkmagnus

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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
 

neocarla

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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.
20140215_100227.jpg
 

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