Which insurance for the evo lte is better the sprint one or bestbuys ?

Which insurance for the evo lte is better the sprint one or bestbuys ? - Sprint HTC EVO 4G LTE

I was wondering which one is better i heard best buys what does it cover i have the sprint one and since i purchased phone from sprint can i still get best buys insurance ?
Sent from HTC EVO LTE

No, you have to buy the phone from best buy to get their insurance.

Check your house or renter's policy (I'm assuming you have them for all of your other goodies). That's what I've always used for replacements.

cruise350 said:
No, you have to buy the phone from best buy to get their insurance.
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This has not been true for several months. You can add it as long as they can see the phone in question.

Personally I think Sprints is better, but it's much more expensive. You really have to go through them both and compare. In the last year I've made 3 claims (1 OG EVO, and 2 3D's) and each time I had a new phone at my door the next morning. I haven't used Best Buy's program but from what I've heard and read you're pretty much guaranteed to get a refurb and it takes several days for you to receive it. Both plans have their strengths, you just have to look at them and see what's best for you.
Sent from my EVO using xda premium

I bought the BesyBuy insurance when I got my EVO two years ago. I won't be making that mistake again. While the BesyBuy has no deductible, they have a lot of restrictions on it.
Your phone gets lost or stolen. Too bad if you have BesyBuy. Sprint has you covered.
You dropped your phone in a pool? BesyBuy lets you drown. Thier insurance only covers water damage that didn't occur from immersion. Guess that means if it gets damaged from taking into a steam room. Sprint throws you a life preserver.
Have to file a claim with BesyBuy? Pay $100 deposit for a cheap loaner phone and wait up to 3 weeks. If it still hasn't been repaired, you can then start fighting with BesyBuy for a new replacement phone as the policy says your entitled to. But don't expect them to do it willingly.
File a claim with Sprint? Pay your deductible and they send you a replacement via express shipping with a prepaid return label you put your old phone in after you get the replacement setup.
Yes, you pay more for the Sprint insurance, but you get better coverage and service.
When the usb port broke on my evo, the BesyBuy insurance had been canceled on the two year anniversary of getting the phone. I was supposed to be able to renew but they didn't inform me about it. I had called to give them my new CC for billing after it had been canceled (I didn't know it had been canceled at the time) and they didn't have the decency to tell me. It wasn't until I brought my phone in for repairs two weeks later that I found out about it. Thier solution to the problem? Buy a new phone from them. Needless to say I told them where they could shove their phone and left.
Sent from my EVO using Tapatalk 2

Just put $5-$10 aside each month. If you need a new phone buy a used one with that money and sell your broken one on ebay (you'd be surprised how much you can get). If you are like me, and I suspect a lot of other people, you will never need to buy a replacement and then you will have enough money to buy yourself a new phone before you know it. (selling your current one)
If you lose or break your phone in the first couple months you are out of luck but that's the risk I am willing to take to save money and it hasn't been a problem for me.

Thanks for all the answers looks like bestbuy has more downs than up well right now i have sprints insurance and i think ill keep it
Sent from HTC EVO LTE

Personally I think insurance should only be added for a temporary amount of time. Im already seeing Evo's on ebay selling for $440. Once the price drops a bit more, keeping TEP will be just ridiculous based on the deductibles. Like a poster suggested selling the broken phone and buying a used phone is the way to go.
Sent from my EVO using xda premium

true but keep in mind sprint usually does not charge a deductible unless the phone is lost or stolen. If it can still be brought into the store, they can try and fix it. if it cant be fixed, they will replace it probably without a deductible.

GoCare.com.
SENT FROM MY EVO 4G LTE!!! (w/no LTE)

wonton2049 said:
true but keep in mind sprint usually does not charge a deductible unless the phone is lost or stolen. If it can still be brought into the store, they can try and fix it. if it cant be fixed, they will replace it probably without a deductible.
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Yep, I second this. I have had multiple replacements (maybe 5) in the past 3 years without paying a deductible. The only time they told me that I may have to pay a deductible was when my wife's HTC Hero was physically falling apart. I called Sprint, and they put a note in my account to credit me $100 to cover the deductible if I do bring it in and they have to send it to Asurion. You really can't beat that. If I had put the money in a jar and not had TEP, I would have put $300 in that jar over the past 3 years, and I don't think that is enough to cover the 5 phones I went through. So in my scenario, Sprint worked out. Best Buy would have charged me a deductible each time.
---------- Post added at 01:48 PM ---------- Previous post was at 01:42 PM ----------
xbmoyx said:
GoCare.com.
Click to expand...
Click to collapse
Although there is mixed reviews on this company, it does look promising. I have never heard of them. Thanks for posting this.

Related

Best Insurance for EVO 4G LTE?

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.
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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 $75 upgrade anymore
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Click to collapse
Hmm...I swear they were still giving 75$ 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

[Q] Is anyone else planning on dumping Total Equipment Protection for the new evo?

I just dumped mine on my evo3D. I have had TEP for a long time (since TP1) & have used it once. A long time ago I dropped my original evo off my desk and it broke. If you consider all the monthly premiums I have paid & the deductible I'm down on the deal.
TEP is increasing from $8 to $11 (a 37.5% increase) starting June 17th for all new LTE devices MSRP $549.99+ which would include the evo LTE. On top of that, deductible is rising to $150 or $200 a whopping 100% increase over the previous deductible.
Those increases are absolutely outrageous. Wasn't the evo 3D $499 off contract when it came out? So this is $50 more and they are doubling the deductible along with a 37%+ increase? You are way better off buying a phone off eBay or craigslist. I guess when the phone is brand new but within a few months prices usually come down.
Anyway I dumped mine just seeing how many of you are planning on keeping it. I may have considered keeping it if the deductible stayed the same but doubling? No thanks Are you guys keeping it?
btw here is the article LINKY
I'm pretty careful with my phone, obviously an accident can happen at anytime but I have an office job so it's on my desk all day. I didn't really think it was the best value before the price increase but now it just seems like a complete joke.
Thank you Mathman for an outstanding write up on the math behind TEP - Everyone should read this post here.
UPDATED Mathman Post with graphs - Everyone should read this post here.

I reluctantly kept mine just in case I bricked my phone.
sent from my iPhone killer

Definitely dumping my TEP, I've never had a reason to use it as I've always been safe with my phones. Keeping my old EVO as a backup.

i never had tep on my evo tho i thought i did until i broke it.. then man i missed having it.. so i will be keeping mine.. insurance is always a gamble but id rather pay for peace of mind then pay for a new phone or go back to my junk one

grrmisfit said:
i never had tep on my evo tho i thought i did until i broke it.. then man i missed having it.. so i will be keeping mine.. insurance is always a gamble but id rather pay for peace of mind then pay for a new phone or go back to my junk one
Click to expand...
Click to collapse
I will be keeping mine for the same reason. I have never had to use it in my time with sprint or even come to think of it maybe even in all my time with Alltel & Verizon too. But it is that if I ever need it. It is there.
Will

Didn't realize they were doubling the deductible that's just ridiculous -_- are there any good alternatives to this insurance? Would cancel but they kinda got us if there's no reasonable alternative...
Sent from my PG86100 using xda premium

Bestbuy and SquareTrade are two other alternatives but, neither of them cover loss or theft.

Dumped it months ago
Sent from my sticky fingered ice cream sandwich Evo 3D

So the Sprint warranty is essentially you making a $464 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.
So... Think I'm skipping it.

The way I am with stuff, I need all the safety nets I can get. I just recently had my Evo 4g sink to the bottom of a lake.
With that being said, I'll probably cancel the insurance after a year and if something happens just be forced to do an early upgrade.
Sent from my Kindle Fire using XDA

purock said:
The way I am with stuff, I need all the safety nets I can get. I just recently had my Evo 4g sink to the bottom of a lake.
Click to expand...
Click to collapse
So you're going to lay down a $332 bet on a $550 phone breaking over the next 12 months?
Take your $332 to vegas and bet on Red. You'll make more money.
If you kill your phone, the payout is $220($550-$332). If you went to vegas with your bet, the payout would be 100%($332).

To protect against loss or theft you may want to add it to your insurance. I keep a personal articles policy for my photography equipment, laptop, and a few other items. I've place phones on the policy in the past.
Sent from my PC36100 using XDA

Expanding on my point....
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 $85 more to break your phone w/o insurance than with. That's it.
The question with insurance is, are you really going to drop down $264($11/month) to maybe save $85 one day?

one thing you guys aren't thinking about...what if you have to replace the phone more than once in those two years?
i've had to replace my wife's phone 6 times in the past two years with out paying a deductible any of the times....do the math on replacing multiple times
me personally all the kernel developing and flashing i haven't had to use TEP for my line but having it on both lines and replacing her phone 6 times made it well worth it on both lines

Rodderik said:
one thing you guys aren't thinking about...what if you have to replace the phone more than once in those two years?
i've had to replace my wife's phone 6 times in the past two years with out paying a deductible any of the times....do the math on replacing multiple times
me personally all the kernel developing and flashing i haven't had to use TEP for my line but having it on both lines and replacing her phone 6 times made it well worth it on both lines
Click to expand...
Click to collapse
I've had 7 EVO's in 2 years so I have definitely used me tep. I recently found out that you can downgrade your protection to not include accidents or theft. So essentially normal wear and tear and sprint store support. I may go with this option since none of the times I replaced mine had to go through assurant.
Sent from my PC36100 using Tapatalk 2

btbamzao said:
I've had 7 EVO's in 2 years so I have definitely used me tep. I recently found out that you can downgrade your protection to not include accidents or theft. So essentially normal wear and tear and sprint store support. I may go with this option since none of the times I replaced mine had to go through assurant.
Sent from my PC36100 using Tapatalk 2
Click to expand...
Click to collapse
that is true and a valid option...most people don't know tep is actually 2 different charges

Haven't had one of these policies in the last 5 years on any phone owned. If you're prone to dropping/damaging your device, then by all means get it. For me it would just be wasted money.
I'll take the risk. If something should happen, I'll buy a used one from ebay or similar.

btbamzao said:
I've had 7 EVO's in 2 years so I have definitely used me tep. I recently found out that you can downgrade your protection to not include accidents or theft. So essentially normal wear and tear and sprint store support. I may go with this option since none of the times I replaced mine had to go through assurant.
Sent from my PC36100 using Tapatalk 2
Click to expand...
Click to collapse
This is good to know and what I'll be doing. I've only used assurion once and that was over 4 years ago- the rest of my replacements have been through the store.

.jond said:
So the Sprint warranty is essentially you making a $464 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.
So... Think I'm skipping it.
Click to expand...
Click to collapse
Here is my previous post I posted in another thread. Many people have had bad experience with best buy protection plan but it has changed since the OG evo days.
http://forum.xda-developers.com/showthread.php?p=26016045
Sent from my SPH-D710 using xda premium

Dumped it a long time ago. Keeping the OG Evo as a backup to the EVO LTE.

[Q] Asurion: Found lost phone

I've received a replacement for a lost Evo 3D. The replacement is an E4GT.
I then found the lost phone.
Question is, can I send Asurion the previously-lost Evo 3D in the return envelope? It has a funky screen (though I think it's the mainboard, as about 20% of the time when powering on the screen, it's heavily flickering/artifacting) and I'd really rather have the E4GT.

Keep both, use 1 for spare as long as u have not had to pay for the replacement
Sent from my HTC EVO 3D X515m using xda premium

You can send it back, however as you claimed it as lost they will lost likely not expect a return as that's what your paying for.
However I would expect that the IMEI on that phone (or whatever Sprint tracks) will be blacklisted after that. I think you could still use it on Boost/etc though, not sure on that though.

ssmercurys said:
You can send it back, however as you claimed it as lost they will lost likely not expect a return as that's what your paying for.
However I would expect that the IMEI on that phone (or whatever Sprint tracks) will be blacklisted after that. I think you could still use it on Boost/etc though, not sure on that though.
Click to expand...
Click to collapse
If your other phone was reported lost/stolen and a replacement issued, the IMEI will be blocked on the lost phone. Sprint rarely if ever unblocks a reported lost phone. You can flash it to some other carrier as mercury said, that is about the options.

Actually, the "contract" you sign with Asurion when you make a claim says that the lost phone IS property of Asurion, and if it is ever found, you are to return it to them. Contact them to get a return envelope. As stated above, the ESN will be blocked, so you can't activate it anyway.

Or, if you are dishonest, you could sell it for parts on eBay to make back some of your deductible. Not that I would personally.
Sent from my PG86100

Wait, they gave you an EVO 4G LTE? They have them in stock? Wow, looks like no one has a straight story there. I had to have my original EVO 3D replaced last week. Called on Wed about it, was told it was on back order and I'd get a "NEW" model. Got a "refurbished" on Friday which had problems. Called again, got another refurbished phone yesterday... Asked them several times to just send me an upgraded model if they kept putting me on the back order list, and they said they had NONE. Figures...

Yea, I was wondering what a E4GT is???

eXplicit815 said:
Wait, they gave you an EVO 4G LTE? They have them in stock? Wow, looks like no one has a straight story there. I had to have my original EVO 3D replaced last week. Called on Wed about it, was told it was on back order and I'd get a "NEW" model. Got a "refurbished" on Friday which had problems. Called again, got another refurbished phone yesterday... Asked them several times to just send me an upgraded model if they kept putting me on the back order list, and they said they had NONE. Figures...
Click to expand...
Click to collapse
No, the Epic 4G Touch
Guess I could have said Galaxy S2

eXplicit815 said:
Wait, they gave you an EVO 4G LTE? They have them in stock? Wow, looks like no one has a straight story there. I had to have my original EVO 3D replaced last week. Called on Wed about it, was told it was on back order and I'd get a "NEW" model. Got a "refurbished" on Friday which had problems. Called again, got another refurbished phone yesterday... Asked them several times to just send me an upgraded model if they kept putting me on the back order list, and they said they had NONE. Figures...
Click to expand...
Click to collapse
I believe he means the Epic 4g. And I hear you on the refurbs. My original evo got replaced with 5 different refurbs, all had major defects. They finally got my a new 3d and no problems so far.

Jed Dignazio said:
Yea, I was wondering what a E4GT is???
Click to expand...
Click to collapse
Epic 4g touch
Sent from my EVO 4G using XDA

evo4gnoob said:
Epic 4g touch
Sent from my EVO 4G using XDA
Click to expand...
Click to collapse
Hmm, Im thinking mine is broken all of a sudden...

Jed Dignazio said:
Hmm, Im thinking mine is broken all of a sudden...
Click to expand...
Click to collapse
I was happy, I was getting sick of the 3D's crappy screen with the almost non-existent viewing angle.

Oh, I feel stupid now...

I found confirmation that you ARE supposed to turn in your lost phone, if you find it. This is written on the paper that comes with the replacements:
"Found or recovered equipment replaced by Asurion is the property of the insurance program and must be returned and can not be reactivated."

I don't think anything has changed in two years, but a while back I lost my blackberry bold 9700, got a replacement through insurance, found my old one, both worked, but ended up selling both through ebay. As far as I know they only block ESN numbers through CDMA providers. I have never heard someone buy a GSM phone and have it not be able to be activated.
My question is, has there been any change to this since 2010? Or is it different from iPhones/Androids? It seems to me, A) Insurion gets their monthly payment, and the deductible, so they get all their money, so chances are they don't really care. and B) if someone buys the "lost/stolen" phone, now they have to sign up for a contract with the carier, which gets them more money, so they probably don't care either.

I hope they read this thread and file lawsuits with every single one of you. IT'S PEOPLE LIKE YOU THAT RUIN INSURANCE COMPANIES! AND COST US HONEST PEOPLE MORE MONEY! then again, I don't pay insurance because I DON'T BREAK MY PHONE!

runcool said:
I hope they read this thread and file lawsuits with every single one of you. IT'S PEOPLE LIKE YOU THAT RUIN INSURANCE COMPANIES! AND COST US HONEST PEOPLE MORE MONEY! then again, I don't pay insurance because I DON'T BREAK MY PHONE!
Click to expand...
Click to collapse
Sorry for an accident? I guess? Regardless of the fact that I've been paying full TEP for almost 2 years and $100 for the new phone?
Even the people that are actually filing fraudulent claims, they're really not hurting anyone except POSSIBLY themselves. These insurance companies aren't exactly going bankrupt. It's like grocery stores, they budget for shoplifting. Shoplifting isn't right, but it isn't hurting the store or the other customers. Same thing with insurance.

runcool said:
I hope they read this thread and file lawsuits with every single one of you. IT'S PEOPLE LIKE YOU THAT RUIN INSURANCE COMPANIES! AND COST US HONEST PEOPLE MORE MONEY! then again, I don't pay insurance because I DON'T BREAK MY PHONE!
Click to expand...
Click to collapse
I know I'm feeding the troll, but:
This is exactly what the insurance companies want you to think. Maybe living in Florida has influenced my perspective, but they always claim poverty from fraud or nonexistent hurricanes while paying out less than half of premiums in claims.
Plus, it would cost more to sue than just ignoring it since the wholesale cost is less than the deductible plus monthly premiums.
Sent from my PG86100

runcool said:
I hope they read this thread and file lawsuits with every single one of you. IT'S PEOPLE LIKE YOU THAT RUIN INSURANCE COMPANIES! AND COST US HONEST PEOPLE MORE MONEY! then again, I don't pay insurance because I DON'T BREAK MY PHONE!
Click to expand...
Click to collapse
Ruin insurance companies??? LOL Yea paying $8 a month for years and then charging $100 deductible for a refurbished phone that you could get for $120 is HARDLY losing money for the insurance companies. I guess your an exception to everyone else that happens to lose a phone or the phone malfunctions.
What WOULD ruin insurance companies would be if everybody was perfect like you and nobody lost their phones and their phones never broke! Then we wouldnt need insurance in the first place.

[Q] Insurance on Phones? Really??

this was mentioned in another thread... just didnt want to hijack the thread so i post it in a new one...
It will void your HTC "factory" warranty but if u have sprint tep then you can use the unroot and relock methods posted in the threads and you should be able to return them to sprint for repairs and such
Click to expand...
Click to collapse
So, i never gave any insurances for phones a big thought... if you think, that I had plenty phones, and none of them got so damaged, lost, thrown in the water... that I was worried about insurance...
I mean you pay depending where about 10$ per month (2 years 240$) so if you just in case can get your phone replaced and pay another 100$ deductable... so in the end i pay 340$ to be sure I could have a replacment phone... now in other words...if i say the phone is worth 600$ that would mean that every 2nd person would need to replace there phone so it makes sense for a consumer to buy this... really every 2nd person? still it seems to be popular in these forums...
I mean yeah i had a display break from one of my phone some time back went to the store ordered a new display 100$ done... here i would have still overpaid 200$ so I don't quite get it... but I do have an open mind to be convinced
My example is absolutely simplified... and they offer repair services as well... I understand, but still...
Am i just talking good care of my stuff? so that i dont worry about this so much ? just wondering...

I think of it like this do I have in pocket over 500 to replace my phone nope. So ten bucks a month is easier when I do need replacmet and pay 100. Second is piece of mind, I did a few replacements and fixes which is good. In the end sprint and insurance wins. The thing that bugs me was a few years back the amount of fraud going on and that's why it gets more expensive when it comes to insurance.
Sent from my EVO using XDA

This is a good example why I don't have sprints TEP. It's a big rip off. I personally like using best buy black tie protection. I paid $170 for 2 years it doesn't have a deductible it is cheaper than sprints TEP.
Sent from my EVO using XDA

I personally think it's a waste of money. If I drop my phone on the sidewalk or in the toilet, I'll suck it up and get a cheap phone off Craigslist until I can save up for a replacement. I'd rather that than spend that much money a month on insurance. Besides, don't you all put a few bucks into an emergency fund every month anyway?

People say just be careful with your phone and you won't need insurance and if you can't do that then get ibsurance. Sure that's a good point, but there's no way I can watch out for it every day nor do I want to pile up money for insurance so small investments for quality cases and screen shields do that job for me for much less than paying insurance a month, so now I only have to worry about it for exceptionally dangerous days (camping, swimming, etc) which is easy if you remind yourself how important your phone is and how crazy it'll be without it. Living like this, I've never broken a phone.
But that's just me. I like someone else's idea, instead of investing your money in insurance where you never get it back, put it aside as a "phone" funds for yourself at the same rate this way you can keep your own money if you don't use it. You'll be paying more for the replacement, but if you generally don't break phones you'll be saving more money than you spend if you don't break it the next time (easier said than done, but I did say "if you generally don't break phones")
Basically, insurance is for people who either:
1) want to throw away money
or
2) break phones often (2+ times within one 2-year agreement)

Personally I don't think insurance is a bad idea but I do think sprints TEP structure is a total ripoff. Looking at a few EVO LTE on Ebay they're already going for under retail and I've seen a few open box sell for $450. I could only imagine what our phones would sell for in a couple of months. These phones will be so affordable soon rendering TEP a total ripoff if one had to pay a $200 deductible.
Sent from my EVO using XDA

forum.xda-developers.com/showpost.php?p=26638575&postcount=92
Please consider searching before starting new threads. This topic has had at least 3 threads dedicated to it, and the above link details under what circumstances a person should consider insuring their phone.
Sent from my EVO LTE using Tapatalk 2

If you don't want insurance then don't take it . Simplified answer.

Peace of mind coupled with not having to pay $500-$600 at once for a replacement.
Sent from my EVO using xda premium

PaulHBK said:
Peace of mind coupled with not having to pay $500-$600 at once for a replacement.
Sent from my EVO using xda premium
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Click to collapse
As mentioned, you'd be getting ripped off to pay that much for a replacement now that Ebay is stocked up and people are looking ahead to the SGS3.
But, hey, at least we're not being forced by anybody to carry phone insurance. Yet.

SilverZero said:
As mentioned, you'd be getting ripped off to pay that much for a replacement now that Ebay is stocked up and people are looking ahead to the SGS3.
But, hey, at least we're not being forced by anybody to carry phone insurance. Yet.
Click to expand...
Click to collapse
What are you talking about?! EVO LTEs are not going for low on eBay. They are auctioning for no less than $500 and "buy it now" options mostly around $600 and ABOVE. Don't spew "information" that doesn't truly benifit your point...
Sent from my EVO using xda premium

PaulHBK said:
What are you talking about?! EVO LTEs are not going for low on eBay. They are auctioning for no less than $500 and "buy it now" options mostly around $600 and ABOVE. Don't spew "information" that doesn't truly benifit your point...
Sent from my EVO using xda premium
Click to expand...
Click to collapse
The one with "buy it now" are just sitting there without any one buying them. And I've seen a few auctioning off for $450-$475. I will post links when I get to my laptop
Sent from my EVO using XDA

Mathman85 said:
forum.xda-developers.com/showpost.php?p=26638575&postcount=92
Please consider searching before starting new threads. This topic has had at least 3 threads dedicated to it, and the above link details under what circumstances a person should consider insuring their phone.
Sent from my EVO LTE using Tapatalk 2
Click to expand...
Click to collapse
Well I actually did do a search and had a couple entries.... But nothing big really..... Might have not look long enough
Sent from my EVO using Tapatalk 2

PaulHBK said:
What are you talking about?! EVO LTEs are not going for low on eBay. They are auctioning for no less than $500 and "buy it now" options mostly around $600 and ABOVE. Don't spew "information" that doesn't truly benifit your point...
Sent from my EVO using xda premium
Click to expand...
Click to collapse
No less then $500?
http://www.ebay.com/itm/18090309202...AX:IT&_trksid=p3984.m1438.l2649#ht_500wt_1182
http://www.ebay.com/itm/18090304509...AX:IT&_trksid=p3984.m1438.l2649#ht_500wt_1182
http://www.ebay.com/itm/18090166495...AX:IT&_trksid=p3984.m1438.l2649#ht_500wt_1182

I think the bottom line here is if you want phone insurance, get phone insurance. If you don't, then you don't. It's that simple. However, I kinda find it interesting that a lot of people say hey I don't need phone insurance but are the same people that get insurance on electronics. I know it's much cheaper and there's no deductible but if you are gonna be a stickler then be one 100% of the time. Insurance is there for those that wanna be proactive and have a peace of mind at the end of the day. Think of how much money we throw away paying car, home and renters insurance without ever putting in a claim? I know all these things are mandatory but honestly we waste thousands upon thousands upon thousands for those things. However, it's the peace of mind knowing that if you smash your car up, your home gets burglarized or catches fire, you'll be covered and so will your valuables( if you pay that extra $200 a year or more for that). If these things didn't carry mandatory weight, would we have car or home insurance? It's the same question to ask yourself when looking to purchase phone insurance( minus the mandatory part). I carry the TEP insurance because it protects me against EVERYTHING! I know there is a deductible but it works for me. I've heard horror stories about BBs Black Tie Protection. Yeah there is no deductible but what you have to go through to get your phone fixed is not worth the $94 you'll save vs the Sprint plan and in the end you end up getting a refurbished phone anyways. That's like saying I'll go to Joe Schmoe to get my car fixed because he is cheaper than the dealership but end up getting your car back with more problems than you started out with. I just say go with what you like. In the same breath, you can't ridicule or belittle someone for being proactive imho.

My old Palm Centro, Palm Pre, and Evo Shift...
Centro had worn out button panel, and then someone stepped on it a bit and the button panel broke on the corner.... free repair in 1 day
Palm Pre died and stopped turning on... Free new or "like new" replacement 2 business days
Second Palm Pre died and stopped turning on... Free new or "like new" replacement 2 business days
Evo Shift died and stopped turning on... Free new or "like new" replacement 2 business days
Second Evo Shift died and stopped turning on... Free new or "like new" replacement 2 business days
So this is why I keep my Sprint TEP
Never paid a dime aside from the monthly fee

shook187 said:
No less then $500?
http://www.ebay.com/itm/18090309202...AX:IT&_trksid=p3984.m1438.l2649#ht_500wt_1182
http://www.ebay.com/itm/18090304509...AX:IT&_trksid=p3984.m1438.l2649#ht_500wt_1182
http://www.ebay.com/itm/18090166495...AX:IT&_trksid=p3984.m1438.l2649#ht_500wt_1182
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Click to collapse
Ok. Still close to $500 on those though. And I'd still rather not have to pay $470 at once though...
Sent from my LTEvo using XDA Premium

PaulHBK said:
Ok. Still close to $500 on those though. And I'd still rather not have to pay $470 at once though...
Sent from my LTEvo using XDA Premium
Click to expand...
Click to collapse
$470 now $370 next month $270 the following month. Eventually the phone will level off around $225-$300. At that point making sprint deductible of $200 a total ripoff. I guess TEP is a good investment within the first 4 months of a phones released.
Sent from my EVO using XDA

Well lets put it this way I've had phones since they first came out. Remember that BIG Motorola ! Also one of the first car phones. I've never had insurance or had a need for it. Same with screen protectors. Each to his own.

Sprint tep has gotten me out of soo many o**** moments that I will continue to pay for it and is probably one of the main reasons I have stuck it out with sprint. No other carrier has "repair" centers like sprint does
Sent from my GT-I9300 using xda premium

phone insurance?

I just bought my phone last week. Do you people recommend the insurance? I bought it from best buy should I choose their insurance or through sprint. I didnt think I would need it until I read the lazy panda s-off thread.

I bought insurance thru gocare.com. Still haven't used it but it is still WAY cheaper than Sprint and best buy. I bought it really for piece of mind. I'm very gentle with my love and she has a Otterbox defender on.
SENT FROM MY EVO 4G LTE!!! (w/no LTE)

I think (JMO) that insurance thru sprint is ridiculous. I've heard its up to $11 a month with a $100 deductable. Over 2 years of your contract, that will put you at $500+. And if you do break it, you could pay over $600 total invested. You can get our phones for $300-350 on ebay. Its worth it to me to roll the dice, be careful with my phone. I could see it being worth it if you are really clumsy, but then you should probably have an old Nokia. Not something with a glass screen.

STIDRIVER said:
I think (JMO) that insurance thru sprint is ridiculous. I've heard its up to $11 a month with a $100 deductable. Over 2 years of your contract, that will put you at $500+. And if you do break it, you could pay over $600 total invested. You can get our phones for $300-350 on ebay. Its worth it to me to roll the dice, be careful with my phone. I could see it being worth it if you are really clumsy, but then you should probably have an old Nokia. Not something with a glass screen.
Click to expand...
Click to collapse
With that logic, do you not carry car insurance either????

STIDRIVER said:
I think (JMO) that insurance thru sprint is ridiculous. I've heard its up to $11 a month with a $100 deductable. Over 2 years of your contract, that will put you at $500+. And if you do break it, you could pay over $600 total invested. You can get our phones for $300-350 on ebay. Its worth it to me to roll the dice, be careful with my phone. I could see it being worth it if you are really clumsy, but then you should probably have an old Nokia. Not something with a glass screen.
Click to expand...
Click to collapse
24 * 11 = 264. Where did you get 500+?
Sent from my EVO

The deductible on this phone is $150 not $100.
SENT FROM MY EVO 4G LTE!!! (w/no LTE)

Im not trying to stir up anything just asking for all opinions. Thanks for the input. I didnt have insurance on my last phone but I am scared about bricking. I will give you something to laugh about I screwed up trying to root with zedomax method. I had a blank screen with no icons and was freaking then I factory reset (stupid htc sync).

I currently have the Best Buy insurance, and I'm getting ready to drop it because since I picked up my EvoLTE, they have double billed me. The last time I called them to handle it, they totaled screwed up my whole BB geek squad acct. They dumped all the other devices off the insurance.
I never had a problem before with them, but I think it's time to look elsewhere.
Sent from my EVO LTE using xda app

I have insurance on my phone and my wife's. It's really a convenience thing for us. New phone the next day and the deductible added to our bill. We don't have extra cash to buy one, and we don't feel like using craigslist. Those pros outweigh the cons of the monthly fee and deductible.
"We're coming from a pure power source"

If your phone is rooted, you want insurance.
Its protection from yourself

That's a good point too. My lte is rooted, her design 4g isn't, but our 18 mo old daughter gave the design 4g a coffee bath this morning. Oops.
"We're coming from a pure power source"

Yep always take the insurance, not from BB the gf had it through them and they apparently do not cover theft

beerbq said:
I just bought my phone last week. Do you people recommend the insurance? I bought it from best buy should I choose their insurance or through sprint. I didnt think I would need it until I read the lazy panda s-off thread.
Click to expand...
Click to collapse
i would go with best buys, there is not a down payment and they dont even know how to check if it is rooted or not

You generally do NOT want best buys insurance with this phone.
The reason being: for ANY issue, they take your phone and you get a refurbished one. Thats great and all.......unless you care about being S-OFF

Get it from Sprint because if anything fails guess what, you get stuff fixed for free. The only thing techs can't fix is physical damage and liquid damage.
Sent from my EVO

bog3nator said:
i would go with best buys, there is not a down payment and they dont even know how to check if it is rooted or not
Click to expand...
Click to collapse
Enjoy your loaner flip phone from the 90's if they have to send out for a replacement

om4 said:
Enjoy your loaner flip phone from the 90's if they have to send out for a replacement
Click to expand...
Click to collapse
Yep, and they'll charge you $50 deposit for it too.
Sent from my EVO using Tapatalk 2

I refuse to pay insurance, it's ridiculous (the price)
I always keep my old phone just in case something happens.
The Evo was the first phone I ever bought full price and still I wouldn't pay insurance.
Just be gentle with ur phone and keep it in a nice case.

Well some of us don't believe in having a phone die on us after the 30 day return window is up, or get lost, stolen, or damaged. These phones cost quite a bit regardless of whether or not we have a spare, and its comforting to know we can just get a replacement phone if something does happen

om4 said:
Well some of us don't believe in having a phone die on us after the 30 day return window is up, or get lost, stolen, or damaged. These phones cost quite a bit regardless of whether or not we have a spare
Click to expand...
Click to collapse
Agreed. And with everything that could go wrong with rooting/flashing/ect I personally don't think its a smart move to not have it.
There have been multiple people with devices that just randomly bricked doing things it shouldn't brick while doing.

Better Mobile App

welcome