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Best options for phone insurance

Insurance

In today’s world, it seems like nearly everyone has a smartphone. While there are plenty of devices that can be purchased at budget prices, there is also still a huge audience for high-end smartphones that costs hundreds of dollars. Indeed, we are approaching a time where high-end consumer devices will have price tags over $1,000 without a contract. That also means there will be tens of millions of people putting small but expensive devices in their pockets, bags or purses that can be dropped, stolen or otherwise damaged. In that case, you might want to consider purchasing a smartphone insurance plan for your device. This feature will take a look at a number of current smartphone insurance plans available for Android and iOS devices owners, and also discuss whether or not you need an insurance plan in the first place. Carrier insurance Many people choose to buy expensive smartphones from a wireless carrier. AT&T, T-Mobile, Sprint, Verizon Wireless, and US Cellular all sell optional insurance and protection plans for their phones

AT&T The carrier offers three insurance 

plans for their smartphones with monthly fees. For $8.99 a month, billed to your regular AT&T account, you can insure one phone or tablet against “loss, theft, physical or liquid damage”

 It also covers out-of warranty malfunctions. AT&T says a replacement device could be sent out the same day a claim is filed, although it may take longer. You will have to pay a deductible for each claim (the fees are different per device) but those fees go down by as much as 50 percent if you don’t file a claim for six months or more. You are allowed 2 claims for 12 months, with the maximum value per claim of $1,500.