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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. 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. 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.

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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.

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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.

Does AT&T Phone Insurance Cover Cracked Screens?

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. Pay yourself the monthly insurance cost. Add the cost of a plan each year into an emergency fund.

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what does my insurance cover? | T-Mobile Support

See above: Then you can use that small cushion if you need to replace or repair your phone. Use local repair shops.


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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.

How to File an AT&T Insurance Claim for a Cracked Screen, Lost or Damaged Phone

Verizon provided us with the original information. This article also appeared in the June issue of Consumer Reports magazine. Become a Member. Sign In. Remember Me. Not a member? Need further assistance? Please call Member Services at Join Consumer Reports. Already a member?


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  4. Welcome to Consumer Reports. You now have access to benefits that can help you choose right, be safe and stay informed. Get Started. Is Smartphone Insurance Worth Buying? Coverage costs and plan parameters vary widely. Here, CR's guide to making a smart decision. By Mandy Walker. Skip to main content. Ready to buy? Call Smartphone Protection Plan. Select number of plans:. Buy Protection. A deductible applies to all claims.

    Protect any phone, any carrier, old or new. The smarter the phone, the harder the fall. Switch to SquareTrade, an Allstate company. Award-winning customer service. Fast repairs.

    T-Mobile Adds Applecare Coverage to Device Protection Plan

    Plus, we can save you hundreds. Maximum Monthly Premium. Thought I was out of luck. Upgrade phones? Switch carriers? SquareTrade came with. We get you fixed fast, fast, fast, and fast.

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