Phone Insurance and Water Damage: What You Need to Know

Phone insurance can be a lifesaver, especially when it comes to unexpected accidents like water damage. Most phone insurance policies cover water damage, but it's essential to check your specific policy to confirm.

Some phone insurance policies may have a deductible, which is the amount you pay out of pocket before your insurance kicks in. For example, a $100 deductible means you'll pay the first $100 of repairs or replacement costs.

If you drop your phone in water, act fast to minimize damage. Most phone manufacturers recommend turning off your phone immediately and removing any accessories to prevent further damage.

A typical phone insurance policy will cover water damage if it's caused by an accident, such as a drop in water. However, if you intentionally submerge your phone in water, the damage may not be covered.

Phone insurance plans can be a lifesaver, but do they cover water damage? Generally speaking, a robust smartphone insurance plan will offer coverage of accidental damage and loss or theft, as well as accidental water damage.

81 percent of people with a smartphone and young children at home have said at least one phone had been lost in the previous two years, so it's likely you'll need to file a claim at some point.

AppleCare+ for iPhone provides unlimited incidents of accidental damage protection, including water damage, but with a $50 deductible.

You can get the latest information about AppleCare+ for iPhone on Apple's website, where you'll also find details on service fees and deductibles. AppleCare+ covers up to two incidents of accidental damage, with a $49 service fee, and also covers water damage.

If you're considering AppleCare for your iPhone, you should know that it does cover water damage, but with a $50 deductible.

A robust smartphone insurance plan will typically offer coverage of accidental damage, loss, or theft, including water damage, but a manufacturer's warranty will become null and void if your phone is damaged by a liquid.

AppleCare+ for iPhone provides unlimited incidents of accidental damage protection from unexpected events like drops, spills, or cracked screens, but each incident is subject to a service fee.

According to a recent survey, 81 percent of people with a smartphone and young children at home said at least one phone had been lost in the previous two years, highlighting the importance of having protection against accidental damage.

Apple has recently introduced AppleCare+ for iPhone, which covers up to two incidents of accidental damage, with a $49 service fee.