Best mobile phone protection plan

No matter how you slice it, watching your brand-new phone shatter, drown, or bend beyond the point of recognition is agonizing. In recent years, more and more manufacturers have started to offer their own warranty programs. Some of them are better deals than others, though. But providing proof of purchase is a bit of a hassle. You have to verify the date of your phone, and complete a check for pre-existing damage at either the AppleCare Contact Center or alongside an Apple Store employee. Get it here. If a Moto Z is more your style, Lenovo-owned Motorola offers its own protection plan.

Both require you sign up within 30 days of purchase. Coverage is a mixed bag, though. Samsung offers its own barebones protection plan for Galaxy devices: Protection Plus. The plans from manufacturers such as Apple, Samsung, Motorola, and Google are comprehensive — and comparatively cheap. Though pricier than third-party plans, in some cases, they cover all kinds of damage, offer fairly low deductibles, and deliver replacements expeditiously.

You can also count on quality service, since the repairs come directly from the phone maker instead of a third-party service. Unfortunately, however, no manufacturer covers lost or stolen devices. But all things considered, Moto Care is one of the better deals around. Share on Facebook Tweet this Share.

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Mobile phone insurance

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5 best phone insurance plans in 2017

The Nokia 3. Some newer phones are also costlier than ever to fix because they have a glass back or curved glass front. In a Consumer Reports survey about smartphone mishaps, a respondent reported accidentally drowning his phone in a washing machine. Another ran one over a phone with a car. Then there was the phone that a pit bull used as a chew toy. In the survey which involved more than 5, people with at least one smartphone in their household , about 50 percent of respondents reported at least one major smartphone fiasco during the previous 24 months.

Ten percent had three or four incidents. An especially unlucky 9 percent had five or more. So given those odds and the cost, how do you decide whether some sort of insurance or extended warranty plan is right for you? You have lots of choices to wade through. All programs have a bunch of limitations and restrictions, so you need to read the terms and conditions carefully.

Repair estimates are based on average repair costs, when applicable, provided by AGiRepair, a company that provides mobile device repair parts. For the fee, Apple covers up to two incidents of damage, such as a cracked screen, and adds another year of protection for mechanical failures. Repairs can be done at an Apple store, at an authorized dealer, or by mail. You can sign up at the time of purchase for the S9 family of phones and anytime for the other phones.

What’s Covered by Mobile Phone Insurance

You can cancel anytime. You can get up to three replacements each year for each smartphone you insure. Most cell-phone carriers also offer pure insurance products that cover loss and theft.

DON'T Buy a Screen Protector until you see this!

The plans are generally in effect as long as you keep paying the monthly fee. You can find more details below. Both cover device malfunctions, loss, theft, and damage, as well as tech support. The plan covers device malfunctions, damage, loss, and theft. Some insurers provide cell-phone coverage directly to consumers. The company covers only damage, not loss or theft. In the event that your phone is damaged beyond repair, SquareTrade will pay you the value of the phone or provide a replacement.

This is a difficult question to answer because it really depends on you and your family. About half of CR survey respondents said no one in their household had a damaged, lost, or stolen phone in the previous two years. If you have children 12 or younger, a plan that covers damage, loss, and theft might save you some headaches. In our survey, 81 percent of people with a smartphone and young children at home said at least one phone had been lost in the previous two years.

In that case, a hard case for your phone would have been your best insurance. Buying your phone with a credit card that extends warranties is an option. Some American Express, Mastercard, and Visa cards offer free extended warranties for products purchased with their cards. Discover recently eliminated this perk. These often add up to an extra year to the warranty that came with your phone.

Your card may also cover damage or theft for 90 days after purchase. Also, if you pay your phone bill with a credit card, your credit card company may offer some protection. Chase Ink Business Preferred, for example, covers damage and theft. Wells Fargo includes cell-phone protection if you use its credit card to pay your monthly cell-phone bill. Check your homeowners policy. Ask your insurer whether your plan can cover cell phones. If so, ask whether any deductible applies and how it will affect your policy if you need to make a claim or two or more , plus what kind of damage or loss is covered.

It may only include perils currently covered in your plan, such as damage from fire or theft.

Cell Phone Insurance Plans Compared: What's Worth It?

Pay yourself the monthly insurance cost. Add the cost of a plan each year into an emergency fund. See above: Then you can use that small cushion if you need to replace or repair your phone. Use local repair shops. Many familiar retailers, such as Best Buy select stores and Office Depot, repair smartphones, as do national repair chains like uBreakiFix. Refer to the chart of average common repair costs to get an idea of what you might pay, then compare prices from shops near you. Make sure anyone you use offers a warranty on the work in writing.

Fix the phone yourself. Also see this do-it-yourself repair using iPhone screen replacement kits , which includes a video. This article has been updated to reflect new pricing provided by Asurion, Verizon's insurance provider, and to give additional information about the company's smartphone insurance plans. Verizon provided us with the original information. This article also appeared in the June issue of Consumer Reports magazine. Become a Member. Sign In.

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