3rd Party Phone Insurance Options and Coverage

If you're looking for third-party phone insurance options, there are several providers to consider. SquareTrade offers protection plans for a wide range of devices.

Some providers, like Asurion, offer additional coverage options such as accidental damage protection. This type of coverage can be especially useful if you're prone to dropping your phone.

SquareTrade's plans often include benefits like 24/7 customer support. This can be a huge help if you need to troubleshoot an issue with your device.

If you're not eligible for insurance through your carrier or prefer a standalone service, there are several U.S. AppleCare+ alternatives to consider.

SquareTrade is one option, offering coverage for one phone for $9 a month, with a $149 deductible for repairs. It doesn't cover loss or theft, though.

Asurion covers damage, loss, and theft, but you'll need to partner with a carrier like Verizon, AT&T, Cricket, or US Cellular. The deductibles can be low, but the rates are a bit higher than average.

AKKO offers phone insurance starting at $5-$12 per month, depending on the model. You can also cover up to 25 other devices for $15 a month, with a $2,000 claim limit.

Progressive offers phone and electronic device coverage, with no limit on claims. The cost varies from $7 a month for a less expensive iPhone to around $12 for a more expensive model, with a $75 deductible.

Lori offers four tiers of coverage, ranging from $7-$15 a month, with a $49 deductible for screen repairs and up to $200 for a full iPhone replacement.

Here are some key details about these services:

Keep in mind that these prices and details are subject to change, so be sure to check the fine print before signing up.

If you have an unlocked phone, you may want to consider third-party phone insurance plans. Samsung Care Plus is one option.

These plans can offer protection for your device, and some even come with additional perks. StayMobile, for example, has a Protect program that allows you to choose from three-, four-, or five-star insurance plans.

Third-party phone insurance plans can be a good option if you're not eligible for insurance through your carrier. SquareTrade, for instance, offers insurance for one phone for $9 a month, with a $149 deductible for repairs.

Some third-party insurance plans also offer multi-device coverage, which can be a good option if you have multiple devices to protect. AKKO, for example, allows you to cover one phone and up to 25 other items for $15 a month.

It's worth noting that third-party insurance plans may have varying levels of coverage and pricing. Some plans may have higher deductibles or excess fees, while others may offer more comprehensive protection.

Here are some third-party phone insurance options to consider:

If you're looking for carrier-specific options, you've got a few choices. AT&T offers two insurance plans for smartphones, one for $14 a month and the other for $17 a month.

The cheaper plan covers loss, theft, physical or liquid damage, and out-of-warranty malfunctions, with a deductible fee that can range from $25 to $275. You're allowed three claims per 12 months, with a maximum value per claim of $3,500.

Verizon's Mobile Protect plan costs $17 a month for one device, and it replaces lost, stolen, or damaged devices with a new one within a day. You'll also get access to the company's Tech Coach support service.

UScellular's Device Protection Plus plans start at $9.99 a month per device and offer a replacement device for phones and tablets if lost, stolen, damaged, or have a mechanical failure. Your replacement phone is available the next business day.

If you opt for the advanced plan, you'll get lower deductible fees for lost, stolen, or unrecoverable devices, starting at $19.

Here's an interesting read: Does At&t Insurance Cover Lost Phones

StayMobile offers one of the nation's largest device insurance platforms, Protect, with three-, four-, or five-star insurance plans that offer equal protection.

You can choose from three different plans, but they all provide similar coverage. Some insurance providers may offer more comprehensive plans, but for most users, the three options will suffice.

Coverage can be purchased for individual devices or entire fleets, and StayMobile will often come to you to pick up your device for repair, eliminating the need for shipping or delivery.

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Here are some key benefits of electronic device insurance:

Worth Ave. Group pays out an average of $330.08 for repair claims, making insurance for electronics a worthwhile investment at less than $8 per month for a policy.

Some mobile insurance plans have loopholes that can have big consequences. These loopholes can leave you with little to no protection.

For example, some insurers will not cover your phone if you forget it in a public place. This can be a problem if you're not sure what's considered a public place.

The Financial Conduct Authority (FCA) has reported that many mobile insurers have misleading terms and conditions. These terms can be phrased vaguely or ambiguously, making it difficult to understand what's covered.

A customer's claim was rejected because she had forgotten her phone in a hotel room. The insurer classified the hotel room as a public place once she had checked out, which excluded the claim from coverage.

Some insurers don't protect iPhones from computer viruses, although this is a minor concern on iOS.

A handful of insurers will only cover theft and unauthorized data costs if reported within 12 hours.

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You're protected from drops, theft, and water damage even when your warranty stops. SquareTrade, for example, offers single plan protection for as little as $12.99 per month.

A cracked screen or liquid damage can be costly to repair, but with electronic device insurance, you're covered. Worth Ave. Group pays out an average of $330.08 for repair claims.

You can get coverage for theft and standard perils immediately, and you're covered everywhere you go. Accidental damage coverage is available after a 30-day waiting period.

Two years of coverage only costs a fraction of what your device costs. At less than $8 per month for a policy, insurance for electronics can be well worth it.

Here are some key benefits of electronic device insurance:

You can have peace of mind with 3rd party phone insurance, which offers various benefits to protect your device.

Some phone insurance policies, like Protection 360, cover device replacement in the event of loss or theft, and also provide device repairs or replacements for mechanical or electrical failure and accidental damage.

Device repairs or replacements for mechanical or electrical failure and accidental damage are covered by some phone insurance policies, like Protection 360.

If you purchase Protection 360, you may also be eligible for AppleCare Services, which provides service and technical support for eligible devices.

Protection 360 offers a range of benefits, including device replacement, device repairs or replacements, and $0 front screen repair and $29 back glass repair.

Some phone insurance policies, like Basic Device Protection, cover accidental damage, loss, and theft, as well as mechanical and electrical failure.

Here are some benefits you can expect from phone insurance policies like Protection 360:

Note that some phone insurance policies may have limitations or exclusions, such as not being available in certain states or having a waiting period before coverage kicks in.