Cell phone insurance can be worth it if you're prone to damaging or losing your phone. If cracking your screen or dropping your phone in water is a rare occurrence for you, however, cell phone insurance may be a waste of money.
The bottom line when deciding whether to buy insurance for your iPhone is whether you're more comfortable paying extra money every month so you can have additional security, or if you'd rather take the risk and save the money. Some people would rather forgo the monthly payments and put that money aside for a new phone.
The rest cover small problems, broken screens, water damage, etc. However, there is a deductible for almost all plans. And while all five of the plans from Verizon have benefits, only a few are actually worth buying. We won't go over all of them today, and instead will focus on the Total Mobile Protection.
For example, under most insurance plans, you're covered if you totally destroy your phone, but if your screen cracks, that's out of pocket. When it comes to insurance, there are a few different options. You could get phone insurance through your phone carrier, but plans vary with each provider.
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Your out-of-pocket costs, of course, don't end there. For any model iPhone under either AppleCare+ or AppleCare+ with Theft and Loss, replacing a phone with screen damage will cost you an extra $29. Replacing a phone with any other accidental damage will bring the price to $99.
How much does Express Replacement Service cost?
| Model | AppleCare+ incident fee |
|---|---|
| All eligible iPhone models | $ 99 |
Deductibles: For device replacement, the deductible per claim will be $9/$99/$149/$199/$249 depending on device. If your smartphone is eligible for cracked screen repair, the deductible is $29.
However, for most consumers, AppleCare is a better option. You not only have the freedom of choosing whatever career you like and having an unlocked phone, but you get repairs direct from Apple. And it's cheaper monthly than Verizon. So when you purchase your next iPhone, make sure to get AppleCare along with it.
Call us (toll-free from a landline phone) or visit a Verizon store to verify your eligibility. Buy a new device at retail cost.
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