What does my phone insurance cover?
Cell phone insurance is comparable to a warranty in that it covers electrical and mechanical faults, but that’s where the similarities end. Cell phone insurance also covers you in the event that your phone is stolen, destroyed, or damaged, including liquid damage. Let’s take a look at July 4th, the most risky month for your phone.
How do I make a claim with Brightstar?
You have 60 days from the date of the incident to report a claim and 60 days to supply all needed information.
You must pay the non-refundable fee by credit card once your claim or service request has been approved:
How much is a deductible for a phone?
It can happen at any time. As you stroll down the street, you decide to make a phone call. Your arm is bumped by a passing person, and your phone slips from your grip. You stand helpless as it tumbles toward the harsh concrete in slow motion. You brace yourself for the impact and hope for the best. This time, not so much, as your touch screen develops a spiderweb of cracks.
According to AGiRepair, a firm that sells wireless device repair components to businesses, the cost to fix a broken screen, the most common repair, is $277 on average for a Samsung S8+ if you aren’t protected in some way. It might cost more than $90 if your power button fails. If your phone can’t be fixed, or if it’s been lost or stolen, you’ll have to buy a new one, which might cost anywhere from $840 to $1,149 for a top-of-the-line Galaxy S9+ or iPhone X.
With figures like these, it can seem like a good idea to insure your smartphone for repair or replacement, especially since rates can range from $7 to $36 each month. But, as appealing as that seems, it’s not that simple. You’ll have to pay a deductible for each claim you submit, which might range from $29 to $225. The majority of insurance providers limit you to two or three claims each year. If you need a replacement phone, your insurer may give you a refurbished phone rather than a new model.
What happens if I lose my boost mobile phone?
With the amount of information we carry on our phones these days, losing your phone can be terrible, let alone having to worry about someone else being able to pose as you to your friends and family.
Different phones have different security options, thus I strongly advise you to investigate these while setting up your phone (no point checking them out when you no longer have your phone). “Find my iPhone” and “Android Device Manager” are the two major preinstalled options.
You’ll also need to change your SIM card if you’ve misplaced it. This will accomplish two goals. It will first disable the previous SIM, preventing it from being used by anybody else, and then it will transfer your account over, allowing you to keep your current number and any remaining credit. To order a new SIM, call Boost customer service at 1258881 or use their live chat facility.
If you’re concerned about someone else using your service, you can also request Call Barring when you contact boost. If you do this, keep in mind that you’ll need to deactivate it when you obtain your new SIM.
How do I know if I have insurance on my phone?
- Select your device. Details regarding the support you’re entitled for, such as hardware repairs and technical help, can be found here.
Coverage information is also available in the Settings app on your iPhone, iPad, or iPod touch. Here’s how to do it:
- Select your AppleCare plan by tapping its name. Tap Limited Warranty or Coverage Expired for more information if you don’t see an AppleCare plan.
Can you put insurance on your phone anytime?
Have you ever wondered what phone insurance is and whether or not you should get it? Or if there’s a difference between cell phone insurance and the manufacturer’s warranty? Is it best to buy phone insurance through your service provider, an insurance company, or the maker of the phone?
I’m not a big fan of games of chance. Here’s a cautionary tale about a time when I misjudged my chances.
My spouse and I purchased smartphones for our family almost five years ago. Four brand-new phones came with a hefty price tag. We decided to forego the extended warranty and phone insurance since we trusted the manufacturer. This is a bad concept. One phone died just a few months after the warranty had expired.
As we discovered the hard way, there are situations when investing in insurance can help you save money in the long run. We should have done our homework before dismissing insurance or an extended warranty, we now know.
The manufacturer’s warranty covers issues such as the phone not working properly. However, it normally does not cover lost, stolen, or physically damaged phones. However, some warranties do cover unintentional damage caused by handling, so double-check yours. This coverage can be extended beyond the first year with an extended warranty.
Smartphone insurance typically covers phones that have been lost, stolen, or damaged. Some, like the one used by AT&T, Asurion, even cover liquid damage. Make sure you read your policy before you need it to learn about the coverage you have.
If you file a claim, keep in mind that you may be required to pay a deductible. If you don’t file a claim for the first 6 or 12 months, your deductible may be reduced.
You’ll have a lot of options if you decide to get insurance within 14 days of purchasing your phone. Manufacturers, mobile service providers, and independent insurance companies are all options.
AT&T, for example, makes it simple to get protection and pay for it over time on your monthly phone payment. Within 30 days of activating your phone, you must purchase insurance.
You can also purchase insurance through the maker of your phone. A significant benefit is that their plans may include technical help through phone, in-store, or online chat.
Purchasing insurance from a non-affiliated provider gives you more options. You can sign up at any moment if your phone is in excellent working order. If you insure other appliances, cars, or your home with the same carrier, you might be able to get a discount. It’s never a bad idea to inquire.
Do you have a policy for your house or renter’s insurance? Check to discover if your smartphone is covered.
Be aware of your chances. Each year, one out of every five people will have their phone lost, damaged, or stolen, according to Asurion. 1
- How soon: Consider whether having a plan with same-day replacement service is more important to you, or whether you can live without your phone for an extended amount of time.
- How long do you have to commit: Determine whether you can cancel your insurance plan at any moment or if you must commit for a set length of time.
- How much: Consider the cost of your monthly premiums in relation to your deductibles. Because you won’t have to file a claim, you can choose a lower premium with a higher deductible if you’re a clever gambler.
As a product of the school of hard knocks, I understand the importance of protecting your smartphone. Insurance can make a smartphone dive into the pool into a little annoyance rather than a significant financial drain.
Is it worth it to get phone insurance?
If the cost of replacing your phone will place a strain on your finances, phone insurance might be worth it. And, with the latest cellphones costing upwards of $1,000, this isn’t an uncommon occurrence. If your phone is lost or stolen, or if it is inadvertently damaged, insurance may be able to help. However, because cellphone insurance plans vary greatly in terms of cost and coverage, it’s wise to read the fine print before signing up.
What does accidental damage cover phone insurance?
Loss, theft, and unintentional damage may all be covered under a normal mobile phone insurance coverage. This implies that if you crack your screen accidently, your insurer will cover the cost of repairs or replacement. If your phone breaks down, some insurers will offer you a ‘immediate’ replacement or fix it.