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Have anyone signed up insurance through their cell phone provider or outside of their cell phone provider (i.e. aruisance, squaretrade and so on). What do you think of it, and is it worth it? I am about to sign up for Squaretrade for ADH (accidental damage from handling). I have butterfingers so I don't trust myself with high end smartphones without insurance!
Any recommendation / suggestions will be awesome. Thank you!
Honestly if your going to keep your phone stock then yes. If your going to mod your phone then no (unless u can put it back to factory stock)
Sent from my SAMSUNG-SGH-I897 using XDA Premium App
I have Squaretrade and have had it on many previous devices. Their customer service is the best in the industry. And they aren't particular about stock ROMs or anything like that...at least not my experience. I sent them my water damaged Fuze that had EnergyROM on it and within 2 days I had money sent to my Paypal.
surfernia said:
Have anyone signed up insurance through their cell phone provider or outside of their cell phone provider (i.e. aruisance, squaretrade and so on). What do you think of it, and is it worth it? I am about to sign up for Squaretrade for ADH (accidental damage from handling). I have butterfingers so I don't trust myself with high end smartphones without insurance!
Any recommendation / suggestions will be awesome. Thank you!
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I haven't had phone insurance for about 5 years since I was with US cellular and had a Razor. It was only like $50 deductible and $2 a month, so not bad. My first phone on ATT was the first iphone and you couldn't get insurance thorough ATT, then I got a 3G iphone (No insurance again), then finally got a Captivate but it was something nuts like a $200 deductible on top of like $5-$6 a month. Imagine your car insurance was almost %50 of what your car costs? So like $15,000 deductible on a 30k car lol, I'd imagine that insurance company would be booming for business.
The only thing is I'm not sure what the deductible is on the Atrix but if it was like $50 with a $5 a month or something it could be ok. I just know the Captivate was totally not worth it.
It's real simple. The atrix cost 500 bucks without a contract right? If your phone breaks you will spend that to replace it. If you have Asurion it is 125 bucks... Not sure what they would do about a custom Rom since your claim would be on a non functional phone. Lots of money and resources just to void a claim on a phone that probably cost 200 or less wholesale.
Thank you for all your help. I have decided to get SquareTrade warranty. I liked their perks. I'm feeling much more relieved now, haha.
The big disadvantage with Squaretrade is the policy is cancelled after two claims and Squaretrade does not cover lost or stolen phones.
sounds like it may be better to go with your service provider insurance. Then agsin i never really broke or lost a phone
Sent from my SAMSUNG-SGH-I897 using XDA Premium App
Tenseiga said:
sounds like it may be better to go with your service provider insurance. Then agsin i never really broke or lost a phone
Sent from my SAMSUNG-SGH-I897 using XDA Premium App
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**knock on wood**
So I just purchased Amaze from eBay, now I need to decide if I should get warranty for it through squaretrade Normally I buy it, since phones with eBay don't come with warranty but this time they are quoting me me an outrageous $72 for 1 year, almost 1/5 the price I paid for phone
Build wise the phone looks pretty sturdy and is in mint condition, so wondering if I should get it? How is the general feedback about the phone...are there lot of RMAs
I know about the squeak issue with some phones, but luckily I don't have it and its also covered by HTC since back cover is an accessory so i'm eligible..
You still have HTC warranty. I bought phones from eBay and HTC honored the warranty.
If you have T-Mobile, you can call them and tell them you received the Amaze as a gift and you can add insurance, warranty or insurance + warranty.
http://www.youtube.com/watch?v=7uk9-yLxQgA&feature=youtube_gdata_player
hasoon2000 said:
You still have HTC warranty. I bought phones from eBay and HTC honored the warranty.
If you have T-Mobile, you can call them and tell them you received the Amaze as a gift and you can add insurance, warranty or insurance + warranty.
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As I said, HTC only provides warranty on accessories not the phone
I don't have T-mobile...but do you know how much will just the warranty normally cost through TMO?
EDIT: Just noticed, for rooting/custom ROMS I would have to unlock the bootloader through HTCdev tool, guess it would pretty much void any warranty ?
If it was me, then yep I would be purchasing a warranty, just in case as you just never know man.
Also of course, anytime you root your phone will void a warranty, but can always install the original GB 2.3.4 back on it and be good to go. Heck, I know people that forget to put it back and still are fine, but I would take it back to factory myself.
Good luck!
Sent from my HTC_Amaze_4G using Tapatalk
Mafioso said:
As I said, HTC only provides warranty on accessories not the phone
I don't have T-mobile...but do you know how much will just the warranty normally cost through TMO?
EDIT: Just noticed, for rooting/custom ROMS I would have to unlock the bootloader through HTCdev tool, guess it would pretty much void any warranty ?
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No. HTC does warranty the phone still.
Sent From My HTC Amaze 4G via Someone's Room
HTC will honour hardware warranty - provided the damage wasn't the result of software overclocking - even after unlocking the device. Software issues you'd be on your own for with custom ROMs... but I'd assume they'll support you if you revert to stock.
I bought an Amaze off eBay back in January from who I thought was reputable on eBay. Used the phone for 3 1/2 weeks and T-Mobile shut my service off. Phone had a fraudulent IMEI. The guy I bought from refunded me after I shipped it back, but do yourself a quick favor before buying a ST warranty and other accessories. Call T-Mobile, tell them your IMEI and just make sure yours is clean. You'll feel better going forward buying accessories and stuff.
Sent from my HTC Sensation 4G using Tapatalk
I would. It's cheap and a smart buy in my humble opinion.
Sent from my HTC_Amaze_4G using XDA
hasoon2000 said:
You still have HTC warranty. I bought phones from eBay and HTC honored the warranty.
If you have T-Mobile, you can call them and tell them you received the Amaze as a gift and you can add insurance, warranty or insurance + warranty.
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Thanks so much. They did let me add insurance for my "gift" phone (bought from cragslist). I think they can see I've been using the phone less than 14 days and didn't bother verifying whether it a used phone or not.
nguyen2011 said:
Thanks so much. They did let me add insurance for my "gift" phone (bought from cragslist). I think they can see I've been using the phone less than 14 days and didn't bother verifying whether it a used phone or not.
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If that's insurance from T-mobile then I'd remove it right away. The reps are required to get a certain amount of sales per hour and even if you have insurance on your line, Assurion will not cover the phone for damage because the phone was not bought from T-mobile. I was a rep there and seen people get declined because of this same reason. I would call them up and downgrade to warranty only. It's what I use, because I know if I send in a damaged phone that it's still cheaper than sending a phone into Assurion for an insurance claim. The only thing the warranty won't cover is lost/stolen. If you do damage your phone you just don't tell the rep that it's damaged and you'll get a out of warranty fee on a later bill.
kalel33 said:
Assurion will not cover the phone for damage because the phone was not bought from T-mobile. I was a rep there and seen people get declined because of this same reason.
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Can they really tell the phone was not bought by ME from T-mobile? Otherwise it is still a phone with Tmobile logo on it bought by someone from Tmobile.
kalel33 said:
If that's insurance from T-mobile then I'd remove it right away. The reps are required to get a certain amount of sales per hour and even if you have insurance on your line, Assurion will not cover the phone for damage because the phone was not bought from T-mobile. I was a rep there and seen people get declined because of this same reason. I would call them up and downgrade to warranty only. It's what I use, because I know if I send in a damaged phone that it's still cheaper than sending a phone into Assurion for an insurance claim. The only thing the warranty won't cover is lost/stolen. If you do damage your phone you just don't tell the rep that it's damaged and you'll get a out of warranty fee on a later bill.
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Incorrect. As a former rep, I know some loopholes. I bought my Amaze from eBay. My brother cracked the screen when he dropped it on the concrete (idiot) and Asurion sent me a new one.
nguyen2011 said:
Can they really tell the phone was not bought by ME from T-mobile? Otherwise it is still a phone with Tmobile logo on it bought by someone from Tmobile.
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Yes. When a phone was used and is registered on another account. It'll show the warranty is invalid. If you say it was a gift and add warranty/insurance, they will honor it.
hasoon2000 said:
Incorrect. As a former rep, I know some loopholes. I bought my Amaze from eBay. My brother cracked the screen when he dropped it on the concrete (idiot) and Asurion sent me a new one.
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As a former rep, why would you even carry insurance through T-mobile? The warranty is $4 less per month and the OOW(out of warranty) fee is cheaper than doing a claim with Asurion. The highest I seen a OOW fee was $115 for the SGS2 and the Amaze was $105. Also, the OOW fee drops as time goes on, but the Asurion claim fee remains the same high price.
Delete please, all resolved
Did you return it through warranty or through insurance? Because if it's through insurance they don't give a **** what happened to it. If it's warranty, the charge will stick, and deservedly so. Warranties don't cover accidents, only defects.
:/
Fergusonfox7 said:
Well, im not sure really. I have insurance, i did the new pay 100 up front deal..... I went to the verizon store and they did it all for me lol.
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Ok, well if you paid your 100 dollars and have insurance, then raise hell. But the email they sent you indicates they're considering it a manufacturer's warranty. Sounds like something is messed up on their end.
Thanks a ton.
tekhna said:
Did you return it through warranty or through insurance? Because if it's through insurance they don't give a **** what happened to it. If it's warranty, the charge will stick, and deservedly so. Warranties don't cover accidents, only defects.
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My mom dropped her phone in the toilet and it still worked after the routine rice bath but she paid the fee and they sent her a new device.
You had to have returned it under warranty to be charged.
Sounds like the store screwed up, should have sent you to warranty and charged you the deductible.
If you contacted Verizon and told them you dropped your phone they should of referred you to Asurion. You pay $89-$100 (not sure the total cost anymore) then you get shipped a brand new device in retail packaging. Now if you called in and asked for a warranty exchange indicating it was a manufacturing defect as opposed to you dropping it on the floor.. Then the fee that has been accessed is legitimate and you're stuck with it for abusing the system. I and many others have done insurance claims and have never seen the $299.99 charge. Either you tried exchanging a device you damaged in hopes they wouldn't catch it. Or they screwed up bad and you need to raise hell. Not to sound like a d-bag or anything, but from where I'm standing it seems you got caught sending in a physically damaged device insiting it was manufacturer defect. If that is truly the case you deserve the fee for the gross abuse.
Fergusonfox7 said:
Well, im not sure really. I have insurance, i did the new pay 100 up front deal..... I went to the verizon store and they did it all for me lol.
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Sounds like you paid $100 to the store for insurance claim and the gave you a refurbished one and they didn't file as insurance claim like it was supposed to be and they sent it back as warranty replacement. Wonder what really happened to your $100
Sent from my ICS Rezound
LakerStar25 said:
Sounds like you paid $100 to the store for insurance claim and the gave you a refurbished one and they didn't file as insurance claim like it was supposed to be and they sent it back as warranty replacement. Wonder what really happened to your $100
Sent from my ICS Rezound
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Idk maybe he paid $100 in store for the phone when he first signed up. Maybe he has that mixed up w/ the deductible.
....... Again sorry.
Where the hell did they pull the 299 price tag out of? Aren't Rezound retailing for 50 these days?
Please delete this forum.
Fergusonfox7 said:
with a 2 yr contract that is, Tomorrow im going to go in there with my rezound that i have now and raise some hell. I'll probably need to s-on but im for sure as hell not paying 300 and i AM going to get a new one. I'll keep you guys updated for sure.
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Yea if you went into the store with your broken one and they asked you to pay the $100 for the insurance claim and gave you a refurbished one instead of a new one then they pulled a fast one on you and ripped you off for $100 and filed it as warranty replacement because that's not how it works. If you went threw insurance you should have been sent a brand new retail unopened box with everything included from asurion (Not sure if corporate stores can do that) And it wouldn't matter what happened to your original one because it's an insurance claim not a warranty claim. Warranty claims can be done in store or through customer service and only apply to manufacturer defects.
Sent from my ICS Rezound
Fergusonfox7 said:
Yeah no i had no intent to pull a fast one. They just messed up, i got a refurb'd device and now im pissed. i have this refurbed one all s-off'd... i want a new one damnit. lol
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Ah okay that sucks man. Like I said wasn't trying to offend you or anything. I guess I just interpeted what you were saying a bit differently. I would go back to the store where you paid the $100 for the insurance claim. Tell them to notate the account stating that you paid for an insurance claim. If the store screwed up and contacted warranty on your behalf instead of Asurion, get them to note that. With those notations you should be able get the charges credited asap.
Fergusonfox7 said:
Yeah no i had no intent to pull a fast one. They just messed up, i got a refurb'd device and now im pissed. i have this refurbed one all s-off'd... i want a new one damnit. lol
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Asurion hands out refurbs too, it's the luck of the draw when getting a warranty replacement.
Fergusonfox7 said:
Please delete this forum.
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all of xda?!?! NEVARRRRRR!
jayochs said:
all of xda?!?! NEVARRRRRR!
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Thread! Thread thread thread! haha
zetsumeikuro said:
If you contacted Verizon and told them you dropped your phone they should of referred you to Asurion. You pay $89-$100 (not sure the total cost anymore) then you get shipped a brand new device in retail packaging. Now if you called in and asked for a warranty exchange indicating it was a manufacturing defect as opposed to you dropping it on the floor.. Then the fee that has been accessed is legitimate and you're stuck with it for abusing the system. I and many others have done insurance claims and have never seen the $299.99 charge. Either you tried exchanging a device you damaged in hopes they wouldn't catch it. Or they screwed up bad and you need to raise hell. Not to sound like a d-bag or anything, but from where I'm standing it seems you got caught sending in a physically damaged device insiting it was manufacturer defect. If that is truly the case you deserve the fee for the gross abuse.
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You do not get a brand new device in retail packaging, not sure who told you this but they are wrong.
Sent from my ADR6425LVW using xda premium
mjones73 said:
Asurion hands out refurbs too, it's the luck of the draw when getting a warranty replacement.
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When you get a insured phone they are not brand-new they are refurbished phone's. Just got one insured and they send refurbs not new. Where is everyone coming up with this claim they give you a new phone?
Sent from my ADR6425LVW using xda premium
Who is getting this with the note 2? Good idea or rip off? Let me know!
Sent from my DROID RAZR using xda app-developers app
I've gotten it. I swear by it. They sent me 7 brand new galaxy nexus before I finally just bought an s3, only paid $100 once
Sent from my Nexus 7 using Tapatalk 2
I'm planning on buying insurance through squaretrade or ensquared (whichever i get the best coupon code discount for)
It's less expensive and has a lower deductible.
wooties said:
I'm planning on buying insurance through squaretrade or ensquared (whichever i get the best coupon code discount for)
It's less expensive and has a lower deductible.
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The downside to their insurance is once you make a claim, you will have to purchase another 2 year plan to be covered. But I've ready squaretrade policy is very good and most customer are very happy with how they deal with claims.
Ignore the above statement. It's completely wrong. I just called and you can make multiple claims on the policy.
wooties said:
I'm planning on buying insurance through squaretrade or ensquared (whichever i get the best coupon code discount for)
It's less expensive and has a lower deductible.
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I'm very curious as to these two options. Which would you prefer? Ensquared is a little cheaper, however, coverage won't start until 30 days after the purchase of the protection plan?
Jennnyy said:
I'm very curious as to these two options. Which would you prefer? Ensquared is a little cheaper, however, coverage won't start until 30 days after the purchase of the protection plan?
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To be honest, I'm still investigating which one as well.
I've got some info here: http://forum.xda-developers.com/showthread.php?t=1769729
And it's making me think about the Best Buy plan too. But so far, I'm leaning ensquared.
Edit: To clarify, what pulls me to Ensquared more is the lower price, coverage for lost/stolen and I believe they allow 3 claims through a 2 year period.
wooties said:
To be honest, I'm still investigating which one as well.
I've got some info here: http://forum.xda-developers.com/showthread.php?t=1769729
And it's making me think about the Best Buy plan too. But so far, I'm leaning ensquared.
Edit: To clarify, what pulls me to Ensquared more is the lower price, coverage for lost/stolen and I believe they allow 3 claims through a 2 year period.
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Well, Ensquare's first claim is $75, but each subsequent claim is $100.
From their website: $75 deductible fee per claim
. All 2nd and 3rd claims carry a $25 additional deductible for admin charges. -Source: http://www.ensquared.com/catalog/phone-insurance/2-year-phone-insurance-smartphone
Also, you can get SquareTrade coverage for $99 on Amazon. So basically, the difference is just the first claim, the $24 difference.
EDIT: Opps, there's some more info about Ensquare's deductible:
A non-refundable thirty-five dollar ($35) deductible maintenance fee will be collected for each authorized claim for the Covered Product under one hundred and fifty dollars ($150). A non-refundable fifty dollar ($50) deductible maintenance fee will be collected for each authorized claim for the Covered Product valued between one hundred and fifty dollars ($150) and three hundred dollars ($300). A non-refundable seventy-five dollar ($75) deductible maintenance fee will be collected for each authorized claim for the Covered Product over three hundred dollars ($300) or any type of Personal Digital Assistants (PDAs). An additional twenty-five dollars ($25) maintenance fee will be charged to the Member for the second claim and third claim .
-Source: http://www.ensquared.com/2_Year_Phone_Insurance_Terms.htm
I can't find anything from SquareTrade that's something like that as well. As far as I know from what the sales rep told me, all claims have a $99 deductible.
I would have said ripoff had I not used it twice now. First time I didn't even have it until after I needed it. Just so happened my email invite came right after my gnex jumped off my motorcycle. A few scrapes, but they bothered me. Second time I went for a swim trying to launch my boat. Not a bad deal when you consider a $400-800 device price tag.
kdissef said:
Who is getting this with the note 2? Good idea or rip off? Let me know!
Sent from my DROID RAZR using xda app-developers app
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I got asurion for mine, its been good to me. I've gone from a DI 2 to a DGlobal 2 to a Droid 3 all replaced with out an extra fee.
Asurion is with verizon right? I ordered mine from walmart online. I assume I can still get Asurion and then if something happens, go to a verizon store and leave with a new phone. I assume with squaretrade I will have to use an old phone and it will take at least a week to get a new one? If not more with shipping each way.
Used asurion with my broken screen. Paid $130 deductible
from my Galaxy Note 2 using Tapatalk 2
Asurion is good. Just know that it doesn't cover malfunctions or phone issues.
GreystoneHD said:
I got asurion for mine, its been good to me. I've gone from a DI 2 to a DGlobal 2 to a Droid 3 all replaced with out an extra fee.
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How did you get out of paying the deductible? I'm assuming that's what you meant by extra fee.
dawei213 said:
How did you get out of paying the deductible? I'm assuming that's what you meant by extra fee.
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Well none had broken screens nor water damage. Never had to pay any deductible, all phones were replaced because of internal hardware issue as how VZW reps would put it on the claim
So i should do ensquared over asurion? What's the more reliable and less hassle option??
Sent from my DROID RAZR using xda app-developers app
kdissef said:
So i should do ensquared over asurion? What's the more reliable and less hassle option??
Sent from my DROID RAZR using xda app-developers app
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If you plan on purchasing your phone from VZW then I recommend asurion. I've been with VZW over 5 years and all my phones had asurion. Haven't had any problems dealing with them so far.
kdissef said:
So i should do ensquared over asurion? What's the more reliable and less hassle option??
Sent from my DROID RAZR using xda app-developers app
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Asurion was pretty good, the deductible was pretty bad tho when the phone was like $400 and they wanted $200 lol
for assurian, If you already have the phone, unless you get an invite by email, I think you'll have to go to the store and they have to 'look at it'. Before I got my insurance online, I took it in and they saw it was already damaged and said, no. Also, no, you won't leave the store with a new phone, they will overnight a phone to you and you get a shipping package to send the old one back. Also, may get a refurb if you use your insurance
flaring afro said:
Asurion is with verizon right? I ordered mine from walmart online. I assume I can still get Asurion and then if something happens, go to a verizon store and leave with a new phone. I assume with squaretrade I will have to use an old phone and it will take at least a week to get a new one? If not more with shipping each way.
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I think both my deductibles were $100, it might vary by device?
IamPro said:
Asurion was pretty good, the deductible was pretty bad tho when the phone was like $400 and they wanted $200 lol
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I think am going to add a rider to my home insurance policy. Only costs about 30 bucks a year and will cover all of our computer devices. There is a 50 dollar deductible and I get a check to replace the device rather than the refurb I would get with asurion. I read this tip here on another thread and checked with my agent about what coverage they offered. Much cheaper than the other cell coverage plans, covers all of our devices, lower deductible, and no refurbished phones as replacement. Unless I am missing something it seems like a no brainer.
Sent from my ADR6400L using xda app-developers app
miss chris said:
I think am going to add a rider to my home insurance policy. Only costs about 30 bucks a year and will cover all of our computer devices. There is a 50 dollar deductible and I get a check to replace the device rather than the refurb I would get with asurion. I read this tip here on another thread and checked with my agent about what coverage they offered. Much cheaper than the other cell coverage plans, covers all of our devices, lower deductible, and no refurbished phones as replacement. Unless I am missing something it seems like a no brainer.
Sent from my ADR6400L using xda app-developers app
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Won't a claim against your home insurance policy increase the rate, no matter how small the claim and payout would be?
Bestbuy offers their insurance plan for $10/month, same as ATT.
ATT's plan requires a deductible of upto $200 for replacement. I dont know if bestbuy requires a deductible or not and how much.
Any other insurance plan to consider?
Sent from my LG-E970 using xda premium
Did you buy your phone at Bestbuy?
Sent from my LG-E970 using Tapatalk 2
jamesc760 said:
Bestbuy offers their insurance plan for $10/month, same as ATT.
ATT's plan requires a deductible of upto $200 for replacement. I dont know if bestbuy requires a deductible or not and how much.
Any other insurance plan to consider?
Sent from my LG-E970 using xda premium
Click to expand...
Click to collapse
No deductible with Best Buy. Also check out squaretrade.
You have to purchase from best buy to get their insurance, but they either repair your phone or replace with new phone. ATT gives a refurb after charging deductible.
You really have to read the fine print with insurance. Not sure about the Best Buy plan, but I know that Squaretrade does NOT cover lost/stolen phones where the AT&T plan does. But then again, AT&T is a $199 deductible where squaretrade is $99. Also, it doesn't hurt to check with you current insurance provider...I know progressive has started offering mobile phone insurance as well, but at the end of the day, it cost about the same as AT&T.
I sell cell phones for Target and our insurance plan is better than AT&T's at the same price with a smaller deductible. But I've heard nothing but great things about Best Buy's insurance plan. If you bought it at Best Buy trust me get their plan over AT&T's insurance. There's no limit to the amount of claims you can make whereas at&t caps you at 2-3 depending on the frequency. Also yes the carriers are the only ones that cover lost or stolen phones but if I'm not mistaken you have to present a police report to show that you made a reasonable effort to locate your phone. And check with Best Buy on free battery replacements. At Target we offer 2 free battery replacements during the 2 years you have the phone in case your battery just gets progressively worse. In the case of a phone like the LGOG that translates to swapping out the phone since you can't just change the battery.
If you're already going to get insurance then anything other than the carrier is better.
Sent from my LG-E970 using xda app-developers app
It has a one year hardware warranty from LG..
$10/mo. "insurance" on a PHONE? What kind of crack are you tards smoking? I pay about that much to insure my HOUSE. why not just buy a second phone and keep it in the box instead?
:what:
Sent from my LG-E970 using xda app-developers app
amrando said:
$10/mo. "insurance" on a PHONE? What kind of crack are you tards smoking? I pay about that much to insure my HOUSE. why not just buy a second phone and keep it in the box instead?
:what:
Sent from my LG-E970 using xda app-developers app
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This phone costs $550.00 to buy outright, if you went without insurance on it for the two year length of a contract you couldn't even buy half a phone.
But it is still a ridiculous amount of money to pay for an insurance policy on an item that costs only $550. You are paying half the cost of the device for insurance. I also get extended warranty, accidental loss and damage warranty from my Visa card when I purchase things on it.
My phone's been stolen along with my entire laptop bag in a smash & grab out of my car in the past too. All of the items stolen were covered under my car insurance. So I just cannot understand paying that much for a warranty, its a tremendous scam and HUGE profit for the retailer.
amrando said:
But it is still a ridiculous amount of money to pay for an insurance policy on an item that costs only $550. You are paying half the cost of the device for insurance. I also get extended warranty, accidental loss and damage warranty from my Visa card when I purchase things on it.
My phone's been stolen along with my entire laptop bag in a smash & grab out of my car in the past too. All of the items stolen were covered under my car insurance. So I just cannot understand paying that much for a warranty, its a tremendous scam and HUGE profit for the retailer.
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Click to collapse
it may be a scam...then again, most insurance policies are scams designed to benefit the provider. however, most folks that i know who have purchased a warranty have made claims on it.
how long does visa provide warranty services? a full 90 days? woohooo! and most policies only cover up to $500, which is less than the cost of our phone.
comparing the value two vastly different types of insurance coverage based solely on the monthly cost is just plain silly on your part. insurance costs are "supposedly" based on the likelihood of claims being made against a policy and the payout associated. chances are, that you're much more likely to make a claim for a lost or damaged phone than you are for house or car. why? cause for house or car the cops gotta come out and the insurance adjuster and papers and photos taken and if you're found to be a liar, then you get charged with insurance fraud (which is a bad thing). but the likelihood that you'll drop your phone on the concrete, sit on it, have it stolen, leave it someplace or have the battery crap out on you are pretty high and no police reports or investigations are required. AND since our phones have non-replaceable batteries, i'd bet that a fair number of folks who get insurance will also have a new phone in 18-20mths.
Amrando is a quintessential troll, just ignore him.
Sent from my LG-E970 using xda premium