Any recommendations for insurance? Looking for loss/theft coverage as well as accidental damage. Squaretrade doesn't cover loss/theft but Worth Ave does. Any other recs?
clankfu said:
Any recommendations for insurance? Looking for loss/theft coverage as well as accidental damage. Squaretrade doesn't cover loss/theft but Worth Ave does. Any other recs?
Click to expand...
Click to collapse
Usually your homeowners or renters insurance will cover theft even if it is in your car check on your coverage. Just throwing it out there.
The Sprint insurance the phone comes with is 8 dollars a month and covers anything. However, if it is accidental damage, you have to pay a 100 dollar fee.
If you bought the phone within 30 days ago, you can still get the insurance.
yousefak said:
The Sprint insurance the phone comes with is 8 dollars a month and covers anything. However, if it is accidental damage, you have to pay a 100 dollar fee.
If you bought the phone within 30 days ago, you can still get the insurance.
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Click to collapse
I found two 3rd party insurances that seem to be better than Sprint's TEP coverage. Worth Ave Group and Safeware each offer theft/loss and the deductible is only $50.
Best buy black tie protection.
Evo3D.
PatrickHuey said:
Best buy black tie protection.
Evo3D.
Click to expand...
Click to collapse
That's only available for products bought at Best Buy right?
clankfu said:
That's only available for products bought at Best Buy right?
Click to expand...
Click to collapse
Right
Sent from my PG86100 using xda premium
I have ensquared. 100$ for two years coverage. 75$ deductible. Covers lost, stolen, accidental damage. I believe you can file up to three claims over course of the two years. I haven't filed a claim with them but I have to suspect that they will honor their responsibility. They started off as a website to compare prices and coverage of different insurance companies and decided to get in on the action themselves.
Also give you up to 90 days to write a policy with them whereas most companies require you to get b out within 30 days of purchase.
As for homeowners...don't count on it. Most companies, if they do cover it under homeowners, will make you pay the home deductible. So that is almost not worth it. other companies will allow specific riders to be placed on certain items such as phones, but many do not. Allstate for instance does not have riders on phones that I am aware of. many times if you do get a policy to cover the phone, a traditional insurance company just isn't competitive in pricing. An inland marine all perils policy or something will run more than just going to Squaretrade, worth, or ensquared. And I happen to work in the insurance industry. Look at my profile, look at my town...corporate headquarters of both State Farm and Country Financial.
good luck.
Sent from my PG86100 using XDA App
clankfu said:
That's only available for products bought at Best Buy right?
Click to expand...
Click to collapse
A lot of times you can go there and add it on there. I work for best buy. You just gotta ask. Or you can buy it out right. And if you need replacement they can give you a loaner phone to have while you wait. Usually its an optimus so its an android phone. It'll get the job done while you wait for your phone Haha.
.
Black tie doesn't cover theft/loss.
Rakeesh_j said:
Black tie doesn't cover theft/loss.
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Click to collapse
Wow really? The guy at best buy made it sound like I can break my Evo 3d half, get it stolen, and add a little bit of water damage and it would be covered . I dont plan on doing insurance fraud since the new Evos are being shipped with the 1.5 Hboot lol so I can only hope it doesn't get stolen.
demo27vol1 said:
Wow really? The guy at best buy made it sound like I can break my Evo 3d half, get it stolen, and add a little bit of water damage and it would be covered . I dont plan on doing insurance fraud since the new Evos are being shipped with the 1.5 Hboot lol so I can only hope it doesn't get stolen.
Click to expand...
Click to collapse
How noble of you.
thos25 said:
I have ensquared. 100$ for two years coverage. 75$ deductible. Covers lost, stolen, accidental damage. I believe you can file up to three claims over course of the two years. I haven't filed a claim with them but I have to suspect that they will honor their responsibility. They started off as a website to compare prices and coverage of different insurance companies and decided to get in on the action themselves.
Also give you up to 90 days to write a policy with them whereas most companies require you to get b out within 30 days of purchase.
As for homeowners...don't count on it. Most companies, if they do cover it under homeowners, will make you pay the home deductible. So that is almost not worth it. other companies will allow specific riders to be placed on certain items such as phones, but many do not. Allstate for instance does not have riders on phones that I am aware of. many times if you do get a policy to cover the phone, a traditional insurance company just isn't competitive in pricing. An inland marine all perils policy or something will run more than just going to Squaretrade, worth, or ensquared. And I happen to work in the insurance industry. Look at my profile, look at my town...corporate headquarters of both State Farm and Country Financial.
good luck.
Sent from my PG86100 using XDA App
Click to expand...
Click to collapse
I am an Allstate agent, and you can get it covered. However, I would not recommend doing it. Your deductible would apply and you would have a claim surcharge. Go with the Sprint TEP.
Sent from my PG86100 using xda premium
Related
Just like the title says.....What should we do?
AT&T offers the insurance for $6.99 / month and has a $199 deductible. Only two claims per 12 month period are allowed but it does cover loss or theft.
SquareTrade wants $69.99 for one year and $124.99 for two years. Their deductible is $99 and does not cover loss or theft. Once you make your claim, the insurance contract is completed (you claim...you must get another policy).
Neither of these options look too appealing to me. What is everyone out there going to do once we get our shiny new devices?
CradleRob said:
Just like the title says.....What should we do?
AT&T offers the insurance for $6.99 / month and has a $199 deductible. Only two claims per 12 month period are allowed but it does cover loss or theft.
SquareTrade wants $69.99 for one year and $124.99 for two years. Their deductible is $99 and does not cover loss or theft. Once you make your claim, the insurance contract is completed (you claim...you must get another policy).
Neither of these options look too appealing to me. What is everyone out there going to do once we get our shiny new devices?
Click to expand...
Click to collapse
I'm looking at Ensquared. $99 for two years, $75 deductible. Theft / loss / damage. Sponsor of and good reports from Android Forums. Apparently pretty good service and good turnaround times on claims. You get I think three claims, but your deductible goes up to $100 for second and third claim.
You have 1-year warranty from AT&T for free. The insurance is only needed for anything that's not covered by warranty.
foxbat121 said:
You have 1-year warranty from AT&T for free. The insurance is only needed for anything that's not covered by warranty.
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Click to collapse
Yes..but the 1 year warranty won't cover it if you drop it. Something to consider when the device is nearly twice the size of my previous device.
LiquidArrogance said:
I'm looking at Ensquared. $99 for two years, $75 deductible. Theft / loss / damage. Sponsor of and good reports from Android Forums. Apparently pretty good service and good turnaround times on claims. You get I think three claims, but your deductible goes up to $100 for second and third claim.
Click to expand...
Click to collapse
I have Ensquared for my GNote. Have not had any claims but have a buddy that did and they were fine. Will probably get on my ATT version as well since I am buying no commitment pricing.
Sent from my SAMSUNG-SGH-I727 using XDA App
Your thread title mentioned warranty. That's what I want to point out. You need warranty if there is manufacturing defacts. You need insurance if something bad happens to it.
I've never dropped any of my phones. And I always prefer living on the edge and never purchase any additional warranty/insurance anything even as expensive as my new cars.
I'm going insurance / no case. I figure this thing is big enough already I don't want a case on it. Plus I ordered the ProClip for it for the car which I don't think fits with most cases.
I baby all my phones and use the where's my Droid app.
If it's stolen I will personally track it down with a gun.
Sent from my MB860 using Tapatalk
Ok this is going to sound sort of crummy, but let's say that I get a big scratch on the screen; I mean one where even a blind person would constantly notice.
If I have the ATT $7 insurance, I suppose I could, out of 'shock at the scratch',
accidentally drop it on concrete ( preferably from a height). I would then be able to replace it for $200?
My main concern is how easy it would be to make the claim. Insurance companies can be unpleasant (for reasons such as those depicted above)
I'm thinking ATT would be easiest. I don't know.
How do each of these Insurance places handle subsidised phones? For example...I am paying 300 bucks for it through AT&T...if I have a claim...will they pay for a new out of contract phone?
I think most third party ones either send you a new identical phone, a refurbed identical, or some rare instances a better one (like if you submit a claim in 22 months when the Note 2 is out you might get a Note 2).
You send them your broken phone.
I think ensquared will even put a hold on your credit card for the cost of the replacement phone and send you your new phone immediately before they get your old one back.
LiquidArrogance said:
I'm going insurance / no case. I figure this thing is big enough already I don't want a case on it. Plus I ordered the ProClip for it for the car which I don't think fits with most cases.
Click to expand...
Click to collapse
Are you sure? The tpu cases are quite thin. I am always worried about scratching my camera lens.
Sent from my SAMSUNG-SGH-I727 using XDA App
Best buy has Insurance too
Best buy offered me insurance on my Pre-order for 9.99 a month covers everything but I didn't take it but I was told I could get it at any time just would have to wait 30days befor I could open a claim
I think this time I'm gonna do case & no insurance. Last time I did insurance & no case and never used insurance. so i think ill see how things turn out time.
Sent from my Desire HD using Tapatalk
JGuinan007 said:
Best buy offered me insurance on my Pre-order for 9.99 a month covers everything but I didn't take it but I was told I could get it at any time just would have to wait 30days befor I could open a claim
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Click to collapse
Almost correct. BB allows you to purchase their coverage for up to 30 days after you purchase the phone. After 30 days; you cannot get the coverage from them.
Of the options i like BB's coverage the best. 9.99/month and zero deductible. They dont hassle you and you have a replacement in 2-3 days. ATT's deductable on smartphones is $200.
Can you purchase insurance from Best Buy even if you purchase from AT&T?
CradleRob said:
Can you purchase insurance from Best Buy even if you purchase from AT&T?
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Click to collapse
No, to get their protection you have to buy the phone from them.
The one exception to this is the iphone. For some reason BB allows iphone users to buy their protection no matter where the iphone was purchased. (perhaps because the iphone shatters so easily)
CradleRob said:
Can you purchase insurance from Best Buy even if you purchase from AT&T?
Click to expand...
Click to collapse
No
Sent from my SAMSUNG-SGH-I727 using xda premium
Dave*228 said:
No, to get their protection you have to buy the phone from them.
The one exception to this is the iphone. For some reason BB allows iphone users to buy their protection no matter where the iphone was purchased. (perhaps because the iphone shatters so easily)
Click to expand...
Click to collapse
brittoking said:
No
Sent from my SAMSUNG-SGH-I727 using xda premium
Click to expand...
Click to collapse
That being the case....which of the other available plans seem to be the best?
Dave*228 said:
Almost correct. BB allows you to purchase their coverage for up to 30 days after you purchase the phone. After 30 days; you cannot get the coverage from them.
Of the options i like BB's coverage the best. 9.99/month and zero deductible. They dont hassle you and you have a replacement in 2-3 days. ATT's deductable on smartphones is $200.
Click to expand...
Click to collapse
Thanks for chiming in Dave. I work for BBYM and Im really in love with our protection. Broke my iphone 4 three times and never paid a dime or waited over 4 days to get a refurb, which by the way are so nice that I sold as LNIB on craigslist. I could have said brand new but even on craigslist I try to be honest as possible (who knows who the crazies are).
Another option for the BBY protection is to purchase outright. For non iphone smartphones it is $169 for the two years, again with no deductible and no limit to the claims. If you, say, get rid of your phone at any point before the two years is up, they can return the protection at a prorated amount. I do this every time because Ill forget to cancel the $9.99 and I get a new phone so frequently, that would start racking up haha
I pre-ordered my EVO through BB. I'm contemplating where to get my insurance now though. Can I go through Sprint still? Should I get the BB insurance? SquareTrade? Other?
What are some pros/cons from experience? I figured this would help a lot of people out. Thanks in advance!
Sent from my PC36100 using XDA
i would check with BB, but you can get it through sprint. just call them and ask for it, should be good to go
PsiPhiDan said:
I pre-ordered my EVO through BB. I'm contemplating where to get my insurance now though. Can I go through Sprint still? Should I get the BB insurance? SquareTrade? Other?
What are some pros/cons from experience? I figured this would help a lot of people out. Thanks in advance!
Sent from my PC36100 using XDA
Click to expand...
Click to collapse
My 2cent experience.
BB is a great insurance from a cost perspective. No deductible if your phone needs replacement. The only down side with BB insurance is if there is an issue, they need to send it in.
My BB Story:
I sent in my OG Evo because it had a bad charging port (common problem). It took them a month and a half to get it back to me. Meanwhile they gave me a beat up LG Optimus as a lender phone. It was decent, but it felt like a life time without MY phone. They fixed the charging port on my Evo and sent it back, but when I got it back, I noticed that they blew out the one capacitative button (above the charging port). I couldn't send it out and wait AGAIN. So I used LED hack to keep those lights off, because it looked like it was missing a front tooth.
Also, if you lose or your phone is stolen, your SOL. I dropped my Evo into the dark endless bottom of a lake (SOL).
You can go onto the Sprint Insurance after you buy your phone elsewhere, like BB. Nice things about Sprint is that they replace lost or stolen phones. If you need a replacement they get you one immediately. Downsides: Replacement phone might be refurbished and you have to pay a high deductible.
It's really whatever floats your boat. Sorry for the long post.
just to add to sprint's TEP you should be able to add TEP through sprint within 30 days
Also I believe now Sprint is uping their TEP cost to 11$ per month. For phones that cost 500$+ w/o contract. It is Asurion that provides the insurance, and from what I read the LTE will have a 150$ deductible.
So essentially you will end up paying $264 for 2 years + 150 deductible = $414.
And I currently have insurance on my OG Evo. I am seriously considering just dropping the insurance. If I break my LTE, just keep my old Evo as back up or buy something on craigslist. And after a year you can get the 75$ credit towards an upgrade.
I am leaning towards just saving my money on the insurance.
purock said:
My 2cent experience.
BB is a great insurance from a cost perspective. No deductible if your phone needs replacement. The only down side with BB insurance is if there is an issue, they need to send it in.
My BB Story:
I sent in my OG Evo because it had a bad charging port (common problem). It took them a month and a half to get it back to me. Meanwhile they gave me a beat up LG Optimus as a lender phone. It was decent, but it felt like a life time without MY phone. They fixed the charging port on my Evo and sent it back, but when I got it back, I noticed that they blew out the one capacitative button (above the charging port). I couldn't send it out and wait AGAIN. So I used LED hack to keep those lights off, because it looked like it was missing a front tooth.
Also, if you lose or your phone is stolen, your SOL. I dropped my Evo into the dark endless bottom of a lake (SOL).
You can go onto the Sprint Insurance after you buy your phone elsewhere, like BB. Nice things about Sprint is that they replace lost or stolen phones. If you need a replacement they get you one immediately. Downsides: Replacement phone might be refurbished and you have to pay a high deductible.
It's really whatever floats your boat. Sorry for the long post.
Click to expand...
Click to collapse
Ya i hear these all the time because thats what the old insurance plan used to be.
Let me tell you about the changes they did for the Black Tie Protection plan from best buy.
2 Options:
1) Rapid Exchange program where it takes 2-5 business days for you to get another phone. Yes it will be a refurb phone and most of the phones I send out they usually come in 2 days.
2) repair program where you can send out your phone to be repaired and u will get the same unit. Takes anywhere from 2-4 weeks to get your phone back. Now this good thing about this option is that if your phone is not cost effective to repair then they will they give u full retail value to either get the same phone or u might be able to get yourself a new phone. Ive had times where ppl had the epic 4g and they were tired of it, sent it out and 3 weeks later they got themselves an epic 4g touch for $50 since the price difference from retail cost was 649.99 to 699.99. Now this may not always happen but it can.
LTEvo said:
Also I believe now Sprint is uping their TEP cost to 11$ per month. For phones that cost 500$+ w/o contract. It is Asurion that provides the insurance, and from what I read the LTE will have a 150$ deductible.
So essentially you will end up paying $264 for 2 years + 150 deductible = $414.
And I currently have insurance on my OG Evo. I am seriously considering just dropping the insurance. If I break my LTE, just keep my old Evo as back up or buy something on craigslist. And after a year you can get the 75$ credit towards an upgrade.
I am leaning towards just saving my money on the insurance.
Click to expand...
Click to collapse
This is pretty much my thoughts on insurance as well.
It's not really worth it. I'm keepmy my OG Evo as well for backup in case anything happens with my EVO LTE.
The Sprint warranty is essentially you making a $464($200 deductible + $11*24months) bet that you'll break your $550 phone over the next 2 years for a reason outside of the 12 month manufacture warranty coverage. Add in the variable of the price of the phone dropping after year 1, and it's a losing bet.
With squaretrade(who I currently use for my old EVO), it's a $225 bet of breaking your $550 phone over 2 years.
Bestbuy insurance just sucks from what I've read.
If your phone ever breaks, don't think of it as you're having to shell out $550.
Think of it as you've already saved $464 of the cost. You're only paying $85 extra for you losing your bet.
In other words, to make it more clear, it cost you $90 more to break your phone w/o insurance than with.
Are you really going to drop down $264($11/month) to maybe save $85 one day?
Theres this insurance company:
http://www.squaretrade.com/pages/android-landing1
I dont have any experience through them so i dunno, seems the reviews are good though but its a bit pricey @ $70 a year or $125 for 2 .
"Coverage up to $750. Coverage only available
for phones bought in the past 30 days."
Where did that 11$ came in? Are they changing it soon I paid 8$ at month and deductible is 100$ btw I do keep my insure for almost a year and then drop it ain't worth it for 24 months
Sent from my Sprint Galaxy Nexus CDMA using Tapatalk 2
LTEvo said:
Also I believe now Sprint is uping their TEP cost to 11$ per month. For phones that cost 500$+ w/o contract. It is Asurion that provides the insurance, and from what I read the LTE will have a 150$ deductible.
So essentially you will end up paying $264 for 2 years + 150 deductible = $414.
And I currently have insurance on my OG Evo. I am seriously considering just dropping the insurance. If I break my LTE, just keep my old Evo as back up or buy something on craigslist. And after a year you can get the 75$ credit towards an upgrade.
I am leaning towards just saving my money on the insurance.
Click to expand...
Click to collapse
they don't have $75 upgrade anymore
NasTraDooMis said:
Theres this insurance company:
http://www.squaretrade.com/pages/android-landing1
I dont have any experience through them so i dunno, seems the reviews are good though but its a bit pricey @ $70 a year or $125 for 2 .
"Coverage up to $750. Coverage only available
for phones bought in the past 30 days."
Click to expand...
Click to collapse
How is that pricey? Way cheaper than Sprint and BB.
Sent from my PC36100 using XDA
ticklemepinks said:
they don't have $75 upgrade anymore
Click to expand...
Click to collapse
Hmm...I swear they were still giving 75$ credit for adding another year to your contract. Guess not, looks like this was canceled.
I'm keeping sprint's insurance... pay the deductable and get a new phone over nighted no questions asked for any reason!
Sent from my Nexus S 4G using Tapatalk 2
Ep3n3wp said:
I'm keeping sprint's insurance... pay the deductable and get a new phone over nighted no questions asked for any reason!
Sent from my Nexus S 4G using Tapatalk 2
Click to expand...
Click to collapse
People have been doing some intense math on this forum regarding the TEP, and it seems that you'll pay about $450 for the insurance if you use it once. That's hardly worth it when the phone won't even be worth that in a year. I would recommend against it honestly, but if the peace of mind is worth it than do what you've gotta do.
PsiPhiDan said:
People have been doing some intense math on this forum regarding the TEP, and it seems that you'll pay about $450 for the insurance if you use it once. That's hardly worth it when the phone won't even be worth that in a year. I would recommend against it honestly, but if the peace of mind is worth it than do what you've gotta do.
Click to expand...
Click to collapse
It really boils down to how much of a clutz you are. if you are always dropping and/or breaking your phone and loosing it I think insurance is a smart buy. If you are very careful and treat it like your baby then insurance is about as bad a buy as when playing blackjack.
Okay how about ensquared.com? For $99, I get 2 years coverage and get:
-3 claims up to $1000 each (only a max of $600 TOTAL through squaretrade)
-$75 deductible (better than the $100 one through squaretrade)
-covers lost, stolen, dropped, water, etc.
Seems like the way to go! Any thoughts on this? Experience with them?
TEP is a house bet for most people. Those who haven't read this yet, read this write up by Mathman here.
I just dumped my TEP, 37.5% price increase with 100% deductible increase to go with it. On top of that, no guarantee your replacement is going to be new, it's most likely going to be a refurb which doesn't have the full value of a new phone.
I have always had TEP, and it has saved me multiple times. With my Samsung Moment, I bricked it several times. The first thing they asked me "do you have TEP?". Then they would replace it (for free) no questions asked. I have had them repair my wife's old Hero a couple times, and have had them repair other phones in the past. I have yet to pay a single deductible.
For me personally, TEP has worked out, and saved me a lot of money. So keep in mind that TEP does have some benefits too, and not every repair requires a deductible. I personally cannot afford forking out $599 for a new phone if I did not have insurance, so I have to have some sort of it. Squaretrade with a 30% off coupon makes the warranty about $90 for two years with accidental damage (doesn't cover lost or stolen), that is the other choice I would look at, but I think I may stick with TEP because of my past experience. The price hike does piss me off though.
caspertodd said:
I have always had TEP, and it has saved me multiple times. With my Samsung Moment, I bricked it several times. The first thing they asked me "do you have TEP?". Then they would replace it (for free) no questions asked. I have had them repair my wife's old Hero a couple times, and have had them repair other phones in the past. I have yet to pay a single deductible.
For me personally, TEP has worked out, and saved me a lot of money. So keep in mind that TEP does have some benefits too, and not every repair requires a deductible. I personally cannot afford forking out $599 for a new phone if I did not have insurance, so I have to have some sort of it. Squaretrade with a 30% off coupon makes the warranty about $90 for two years with accidental damage (doesn't cover lost or stolen), that is the other choice I would look at, but I think I may stick with TEP because of my past experience. The price hike does piss me off though.
Click to expand...
Click to collapse
See my above post. Ensquared seems to be a better bet than SquareTrade.
Sent from my PC36100 using XDA
Why not just pay $9.99 to get Best Buy Black Tie Protection?
No deductible.
Unlimited claims.
Free loaner phone if yours has to be special ordered.
Covers all physical damage except full water submersion.
Cancel any time free.
Those are the exact words I was told when buying my phone.
I got Black Tie.
Persuade me to cancel it so I can save money.
Sent from my EVO using Tapatalk 2
newfireorange said:
Why not just pay $9.99 to get Best Buy Black Tie Protection?
No deductible.
Unlimited claims.
Free loaner phone if yours has to be special ordered.
Covers all physical damage except full water submersion.
Cancel any time free.
Those are the exact words I was told when buying my phone.
I got Black Tie.
Persuade me to cancel it so I can save money.
Sent from my EVO using Tapatalk 2
Click to expand...
Click to collapse
Number one reason is the wait to get your phone back can be a week or two weeks sometimes a month the program is good but I can't go that long without my phone
Ask sprint about their options I think if you are just worried about cracked screens and stuff you can get protection through them for.that at like 4 bucks a month. If I am wrong someone interject. Reason I say 4 is I don't think the tep has raised yet and if u lock it in now it won't raise till you resign...
I do not have Black Tie but I heard that its pretty awful. At times they do not honor replacements.
Google it for more info.
I have Black Tie, but I gotta tell you: the whole "free loaner phone if yours has to be special ordered"? Count on rocking a crappy old Android or a BlackBerry for a little bit if your phone can't be initially just fixed....
Here's the rub: yours IS gonna have to be special ordered, if you need a replacement, no matter if your Best Buy has 500 new EVOs in stock: they won't let you have one of theirs. For me, for the times I had to use it, I waited about 2 weeks the first time (because it was "backordered", even though my Best Buy had plenty), and about 3 days the second.
Of course, you also are also DEFINITELY getting a refurb, count on that 100%.
*I still use it, like I said, but the guy at Best Buy won't tell you all these little "details", which, I think, is a bit shady.
Sent from my EVO using xda premium
I waited a month for a broken charger port on my OG Evo. Seemed like an eternity. Got it back and found that while they fixed the port, they blew out the light on the menu button (looked like it was missing a tooth) . Wasn't going to wait again with a beat up small lender phone.
Gave me a scratched and dented LG Optimus. Big ole scratch on the screen.
Sent from my Galaxy Nexus using XDA
Lol at the people that don't like brick and mortar stores its that that is hurting the economy why buy it somewhere and pay a little extra and take a little extra time n pay tax when u can order it online for cheaper ans not pay tax. However I heard awhile back they where or are trying to put laws in place for sales tax on online items.
newfireorange said:
Why not just pay $9.99 to get Best Buy Black Tie Protection?
No deductible.
Unlimited claims.
Free loaner phone if yours has to be special ordered.
Covers all physical damage except full water submersion.
Cancel any time free.
Those are the exact words I was told when buying my phone.
I got Black Tie.
Persuade me to cancel it so I can save money.
Sent from my EVO using Tapatalk 2
Click to expand...
Click to collapse
I actually just dropped sprints insurance and am going to straight up buy the black tie insurance for $170 for the 2 year protection. How sprint is Jacking up the price on everything you would be paying $264 for 2 years not including the $150-$200 deductible. Hell if I can save $100-$250 with BB with a refurbished phone and wait 2 weeks its worth it.
Sent from my PG86100 using xda premium
ZAGG has insurance as well. I think its 100$ for 2yrs and covers everything with a 100$ deductible. Might wanna look into that.
James
best buy also doesnt cover lost or stolen tho if you use mobile defense or sprint locator those arent a huge issue..
ckoadiyn Lol at the people that don't like brick and mortar stores its that that is hurting the economy why buy it somewhere and pay a little extra and take a little extra time n pay tax when u can order it online for cheaper ans not pay tax. However I heard awhile back they where or are trying to put laws in place for sales tax on online items.
Click to expand...
Click to collapse
yes cause buying online is different then buying in brick and mortar... the store actually makes more of a profit from online sales then store. and i paid taxes when i ordered from sprint tyvm.. the only thing being loss on online sales is taxes to the state but as someone who works in retail i can also tell you all the people using food stamps arent helping much either.. lord forbid they dont get their tax free soda chips and fat cakes
grrmisfit said:
best buy also doesnt cover lost or stolen tho if you use mobile defense or sprint locator those arent a huge issue..
yes cause buying online is different then buying in brick and mortar... the store actually makes more of a profit from online sales then store. and i paid taxes when i ordered from sprint tyvm.. the only thing being loss on online sales is taxes to the state but as someone who works in retail i can also tell you all the people using food stamps arent helping much either.. lord forbid they dont get their tax free soda chips and fat cakes
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Lol that is probably true but I always get the impression most shop amazon etc n I know it is just state taxes but still. I don't have a problem with food stamps for those that use it correctly however many people don't use it correctly
ckoadiyn said:
Lol that is probably true but I always get the impression most shop amazon etc n I know it is just state taxes but still. I don't have a problem with food stamps for those that use it correctly however many people don't use it correctly
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i use online cause its a convenience . i work over nights so i can shop while everything is closed and its usually cheaper cause they save on labor and other things a brick and mortar has to pay.. walk into a kmart.. have their website loaded and check prices, you will see that a lot of their stuff is more expensive in stores then online and they will not price match
grrmisfit said:
i use online cause its a convenience . i work over nights so i can shop while everything is closed and its usually cheaper cause they save on labor and other things a brick and mortar has to pay.. walk into a kmart.. have their website loaded and check prices, you will see that a lot of their stuff is more expensive in stores then online and they will not price match
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Yeah and is rather pay extra to know that American people have a job even if it is a store and 5 extra dollars that's all im trying to say we have to many people to be cutting jobs and companies can pick up and leave over seas. Btw I agree 3rd sucks I work 12-8 am and it is hard a lot of.the time
But all and all price wise. BB is the cheapest if you don't mind waiting a couple days for a replacement refurbished phone and the fact they don't cover loss or theft. Anyone object?
Sent from my PG86100 using xda premium
xbmoyx said:
But all and all price wise. BB is the cheapest if you don't mind waiting a couple days for a replacement refurbished phone and the fact they don't cover loss or theft. Anyone object?
Sent from my PG86100 using xda premium
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Nope however I am interested in zagg..
I use http://www.squaretrade.com - $119 for two years protection after tax and 10% discount (coupon code TENFTEN).
You still pay a $99 deductible, and no coverage for theft or loss....but it has great reviews which is comforting. And at about $5/month...much better deal.
Sent from my Evo4GLTE
I had the black tie protection and I'll tell you why it isn't so hot.
First, doesn't cover lost or stolen phones.
Second, loaner phones require a $150 deposit.
Third, when I used the insurance to fix a broken charging port, I sent the phone in on Jan 2nd. The phone came back unrepaired 3 times. I finally got a replacement phone the second week of February. Believe me, I would have gladly gave a hundred dollars for a replacement from sprint.
Learned my lesson on best buy protection.
Sent from my EVO using xda premium
ckoadiyn said:
Ask sprint about their options I think if you are just worried about cracked screens and stuff you can get protection through them for.that at like 4 bucks a month. If I am wrong someone interject. Reason I say 4 is I don't think the tep has raised yet and if u lock it in now it won't raise till you resign...
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The 4$ is still the same for service and repairs. However the replacement part of the TEP has gone up i believe.
And no the TEP will be raised for everyone but only in September if you sign up for TEP before july 17th.
stumblebum said:
I use http://www.squaretrade.com - $119 for two years protection after tax and 10% discount (coupon code TENFTEN).
You still pay a $99 deductible, and no coverage for theft or loss....but it has great reviews which is comforting. And at about $5/month...much better deal.
Sent from my Evo4GLTE
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Do you get a brand new phone? Do they cover loss/theft?
Sent from my PG86100 using xda premium
newfireorange said:
Why not just pay $9.99 to get Best Buy Black Tie Protection?
No deductible.
Unlimited claims.
Free loaner phone if yours has to be special ordered.
Covers all physical damage except full water submersion.
Cancel any time free.
Those are the exact words I was told when buying my phone.
I got Black Tie.
Persuade me to cancel it so I can save money.
Sent from my EVO using Tapatalk 2
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ckoadiyn said:
Number one reason is the wait to get your phone back can be a week or two weeks sometimes a month the program is good but I can't go that long without my phone
Ask sprint about their options I think if you are just worried about cracked screens and stuff you can get protection through them for.that at like 4 bucks a month. If I am wrong someone interject. Reason I say 4 is I don't think the tep has raised yet and if u lock it in now it won't raise till you resign...
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I work for Best Buy and am very familiar with the GSBTP plans (Geek Squad Black Tie Protection). What I am about to say is my own opinion and not that of Best Buy's.
That being said, I am going to give you an unbiased opinion on this because I see both sides to what you guys are saying. I bought my phone outright from BBY 2 days ago. Did I buy GSBTP? No, here is why: I like the lost or stolen option from Asurion/Sprint and I never had to use it until 2 weeks ago when someone stole my EVO 3D from my store. I tried remote locating it and all that crap and it didn't help. Paid the deductible through Asurion (should have been $100 but they told me $50) and got a replacement the next day.
As far as what GSBTP offers, yeah, it's not bad. But there are some things that need clarified in what has been said in this thread. The replacements now are all "Rapid Exchange", as in, you come into BBY and we fill out all the paperwork to get you a new phone. What happens is that the system then generates and order for a refurbished phone to be shipped that day while we send yours back to them at the same time. This means that you will get a new phone within 3 business days, not too bad.
However, the loaner phones are pretty crappy, as mentioned. But stores are suppose to charge you $50 for the loaner phone that gets returned back to you after you return it. They don't all do that, but they are supposed to, so keep that in mind that YMMV.
Everything else in the OP is right. BBY won't deny a claim unless you fully submerged it, nor would they even know that unless you told them. There is a girl at my store that literally drops and shatters her iPhone screen atleast 2 times a month and it's been happening for over a year now, never had an issue. Also, with GSPTB, you are entitled to a 1-time battery replacement on your phone as well which is awesome, but unfortunately doesn't apply to phones without removable batteries.
Hopefully this clarified things for you guys and gave you an idea of both sides to the GSBTP story
@-viperboy-
Thank you for the clarification.
~ I'm a fungi
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
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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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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