An android phone insurance protects the buyer from unexpected expenses arising from accidents or malfunctions involving the device. Coverage typically depends on the insurance plan and the insurer's coverage limits. So, you must choose one that best fits your needs and budget. Generally, most insurance policies cover loss and damage to the device, but some policies extend coverage to your phone accessories too. Granted, these benefits are available for an annual or monthly fee. But why would anyone pay for phone insurance?
People's increased reliance on smartphones for communication and work has created the need to protect this valuable device. There are two kinds of insurance available for android phones, viz-a-viz mobile carrier insurance, and third-party insurance.
Mobile carrier insurance is available for people who have agreed only to use a carrier-branded phone. It will cover you up to what you would purchase or pay for your phone. However, it can be pricey.
Third-party insurance is flexible, and customers typically pay less for insuring their phone with a phone insurance company.
These are the major phone carriers in the United States and the various insurances plans they offer:
There are up to five different plans that US Cellular offers on their Mobile Insurance. They are:
Verizon wireless plan includes;
Samsung Care Plus is an insurance plan tailored to your needs. Samsung Care Plus offers the best protection with no deductible for screen breakage or device malfunction. This insurance plan also includes accidental physical damage and theft with a $200 deductible. The Samsung Care Plus plan costs $29.99. It's always on and is available for all new Samsung smartphones and Galaxy smartphones, as well as select tablets, wearables, cameras, smartwatches, mobile accessories, and other connected devices. Samsung Care Plus covers your device if it's damaged by accident or covered by insurance.
Staymobile offers a $10 a month plan for people who only need to ensure one or two of their devices. If you have more than two phones, you'll need to use the $20 a month plan. Staymobile also offers a 10% discount on all new phone and device purchases. This means that if you buy an iPhone7 at Best Buy, Staymobile will remove 10% from the phone price. Best Buy will also eliminate the activation fee.
Staymobile's accident protection plan includes a screen protector and case coverage, which will protect you against a stolen or damaged phone by accident. Accident protection is the best way to ensure your mobile device. Staymobile also offers a monthly gadget insurance plan covering damage from drops, spills, and other accidents - including cracked screens. You can add this protective layer to any new or existing Staymobile plan for $5 per month.
Square Trade offers a variety of plans for different Android phones. Each plan has benefits and drawbacks. For example, the Standard Plan will have no deductibles but requires replacing your phone if lost or stolen. The Extended Protection Plan offers a deductible depending on the phone model but will cover accidental water damage. The Basic Plan is just that - basic with no discounts or extras for data loss protection or deductibles in case something terrible happens to your phone.
The Standard Plan offers a $1,000 deductible for up to two insured devices per year and $2,500 max over your insurance term. This plan has no deductibles or additional premiums for data loss protection.
The Extended Protection Plan allows you to replace your device twice per year for accidental damage of up to $350 without deductibles on top of the plan you choose.
Geek Squad offers its insurance for handsets with either an iPhone or Android operating system. The plan provides coverage for device repairs and replacement, as well as phone accessories. The plan is suitable for phones that are under warranty or if you have purchased an extended warranty.
The price will depend on what phone you are purchasing. If you buy a new handset (or even an upgraded one) from Geek Squad, the basic plan is $199 and includes protection for two years. If you want to purchase an insurance plan for a phone that has already been purchased, the price is $299, covering two years of coverage.
Geek Squad insurance usually covers the cost of lost or damaged handsets or accessories as well.
With various manufacturers and innumerable models per manufacturer with unique features, a person might get confused about which one they should buy, especially if they have never purchased a smartphone before. If your Android phone is worth a fortune, it is recommended that you try investing in some insurance plan for your device. Unfortunately, the insurance plans available can be confusing, and insurance companies have developed many different policies over the years.
However, before you decide on the policy that is best for your android phone, you should consider the following:
Protecting your Android phone with an insurance policy is crucial in case of accidental damages or other events that may result in loss of data, theft, or loss of the device itself. Whether it is carrier insurance or third-party insurance, you are better off buying a plan that has your kind of coverage.
There are several reasons for protecting your android phone. The foremost of these include:
You want your phone to be lifelong valuable as well as durable. However, there is no guarantee that you can afford a new phone if you lose or damage the old one. Phone insurance gives you this peace of mind.
Insurance minimizes the cost of fixing your phone. Therefore, please do all you can to keep your private information safe and secure from people who might want it. Protection is essential for any device that is used often and has files on it.
Phones are more commonly lost or stolen than notebooks since they are small, expensive, and easy to steal. Since many phones today have in-built finding features, you can easily render the phone useless to the thief. However, the odds are you won't find your android phone again. So, you will need a new one. Insurance can cover all or most of the associated costs.
Android insurance does not provide 100% protection for your device. Even the best insurance policies do not offer to replace your former phone, especially if it was stolen.
Furthermore, if you do not pay your insurance claim in time or take the total amount of the claim, it will leave you with a useless device. Then there is also the question of coverage that comes with every plan. The risk coverage may help you in some cases, but it is fragile.
The following are some of the things your android phone is not protected:
You will not be covered for any damage proved to have been committed by you intentionally. Also, if you're prone to dropping your phone in the toilet or leaving it in pants before laundry, be sure your insurance covers water damage—some policies don't. You might discover that you aren't protected because you didn't exercise "reasonable care."
Some insurers will not compensate you if you do not report it missing immediately, or if you wait for 12 hours, sometimes, 24hours before reporting it missing,
Whether you've switched providers and installed a new SIM card, or you're temporarily using a different device – you might not be covered as long as the original sim is not in the phone.
If your phone is broken or damaged, some insurers will attempt to repair it or offer you a refurbished phone rather than replacing it. If this is the case, you should expect to be without a phone while it is repaired, and it may take a while.
The following tips below can help you keep your android phone safe:
Many Android insurance policies are available from insurance companies and third-party providers. They offer protection against theft, fire, water damage, malfunction, and even accidents. By purchasing a policy like this, you will have peace of mind knowing your device is well protected if anything were to happen to it. Nevertheless, it is recommended that you make conscious efforts to protect your android phones, such as keeping your device away from unnecessary risks that may eventually lead to damage or loss.