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Just as a consideration, I thought I'd throw this out there. I was mildly concerned when I ordered a Nexus about the lack of Asurion insurance on T-Mobile. Checked with Squaretrade, since I have used them on other electronics purchases, and was very pleased to find they have a specific plan for the Nexus One. For $115 (special atm) you get a full 2 yr replacement or repair warranty for a one time premium with an at need $50 deductible. Normal failures like battery failure are not subject to deductible. Only con is they don't cover loss, you have to be able to send them back something broken. Being as I was paying about $8 a month for insurance on my G1 before, with a $150 deductible, a little quick math shows an amazing difference. My experiences with Squaretrade in the past have been wonderful, and I would recommend giving them a look.
http://www.squaretrade.com/pages/nexusone-landing?ccode=bs_war_quote
t-mobile gave me insurance through Asurion....
This is old news. Tmobile does cover the nexus one. Use search.
Dose it cover if I unlock the boot loader? I know Google (HTC) voids the warranty the second you do that. I want to be able to install Cyanogen on my Nexus One without the worry of not having a warranty. I have the G1 now and have had it for about a year now and I havent had any problems with it, but I've heard of people's N1's on at&t the screen is messed up look here.
thumbs said:
Dose it cover if I unlock the boot loader? I know Google (HTC) voids the warranty the second you do that. I want to be able to install Cyanogen on my Nexus One without the worry of not having a warranty. I have the G1 now and have had it for about a year now and I havent had any problems with it, but I've heard of people's N1's on at&t the screen is messed up look here.
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no it dont cover unlocked bootloader. it covers electrical, lost or stolen. worst comes to worst you just file stolen thru your insurance and buy a new one from them for $130 bucks. or should i say refurbished not new.
Lol. Well when I bought mine the T-mobile reps I talked to didn't really know what a Nexus One even was. I was however told that insurance through them was unavailable to me because the phone was sold through Google. Bad information or miscommunication is irrelevant, the SquareTrade Warranty is a far cheaper way to go. Though it doesn't cover loss, I spoke to them before buying it and was told in clear language that any claim due to unit damage from dropping, water, etc. was covered regardless of bootloader being unlocked. This would only be an issue with them if there was no physical damage to the unit. I'm not worried about bricking it, I'm worried about taking it with me when I go drinking. lol. Things tend to get run over.
It's also be covered in other threads that you can insure the phone through a "personal items" policy with your regular (auto) insurance provider. I have mine through State Farm. It's $30 a year with no deductible and they could give a flip if it's rooted or not. You just call them up and say my stuffs broken/lost and they send you a check to replace your phone. So, SquareTrade isn't the way to go either.
OutlawPro said:
It's also be covered in other threads that you can insure the phone through a "personal items" policy with your regular (auto) insurance provider. I have mine through State Farm. It's $30 a year with no deductible and they could give a flip if it's rooted or not. You just call them up and say my stuffs broken/lost and they send you a check to replace your phone. So, SquareTrade isn't the way to go either.
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Awesome. i use State Farm, so i'll have to look into that. good intel.
OutlawPro said:
It's also be covered in other threads that you can insure the phone through a "personal items" policy with your regular (auto) insurance provider. I have mine through State Farm. It's $30 a year with no deductible and they could give a flip if it's rooted or not. You just call them up and say my stuffs broken/lost and they send you a check to replace your phone. So, SquareTrade isn't the way to go either.
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Any idea if you can purchase that type of insurance from State Farm without having another policy with them?
RussianSolja said:
no it dont cover unlocked bootloader. it covers electrical, lost or stolen. worst comes to worst you just file stolen thru your insurance and buy a new one from them for $130 bucks. or should i say refurbished not new.
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To clarify:
The Assurian policy doesn't cover unlocked bootloaders, only defect, theft and loss.
The Squaretrade policy (at least the one I bought for my N1) covers defect and accidental damage, and is agnostic to bootloader status (meaning they don't care if you unlock it).
jerhoyet said:
Any idea if you can purchase that type of insurance from State Farm without having another policy with them?
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Not 100% sure, but I think you can because my policy is not tied to any of my other policies. It's a standalone and the reasoning for it is, it you need to use it, it won't affect your regular insurance rates
If you have auto insurance, you should be able to get coverage through them. You might get better rates by having an existing policy too.
Just give any State Farm rep a call to find out and let us know what they tell you if you don't mind.
maxawesome said:
To clarify:
The Assurian policy doesn't cover unlocked bootloaders, only defect, theft and loss.
The Squaretrade policy (at least the one I bought for my N1) covers defect and accidental damage, and is agnostic to bootloader status (meaning they don't care if you unlock it).
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Click to collapse
Helpful. I was originally told by the T-mo rep that Asurion wouldn't cover me, but I ordered on release day. lol. As for theft or loss, not possible. I will stick with Squaretrade and hope I never have to use it.
I'll cave in. Since I spent $529 for this phone, spending an additional $120 couldn't hurt to protect against damages. If I drop it and the screen cracks, they replace it reguardless correct? I just had a bad luck day, had phone in my basketball shorts with a clear hard case on it, while playing it fell out. Then when I got out of my car I forgot my phone was on my lap so down it goes again with the case. There are scratch marks on the bottom and top of the phone but doesn't bother me. It worries me that in the near future I might actually drop it by accident and it will be damaged. The 3rd time I dropped it, was when I went to put it in my newly purchased dock. So I've finished my bad luck for the day (hopefully)
*wonders why people will spend MORE for a LESSER insurance policy.
It has been just 8 days for my phone so far. All is good, I am probably inclining to keep it...
I am wondering if it is worthwhile to purchase any insurance coverage for the phone.
Sprint offers TEP program wherein I need to pay $8 per month. If something happens, I will need to shell out a $100 deductible over the phone replacement.
I was checking squaretrade.com. They are offering a warranty for $124 which states the following:
Coverage Details
2 years of coverage: The SquareTrade Smartphone warranty covers your Smartphone for up to 2 years, starting on the date of purchase.
Covered Issues: Both accidents (e.g., broken screen or other damage through drops AND liquid damage including full immersion) and out-of-warranty normal use failures (e.g., battery no longer charging or other hardware failures) are covered. We do not cover loss, theft, willful damage or damage occurring through gross misuse.
Deductible: There is a $50 deductible when claiming on an accident (e.g., drops, spills). There is no deductible for a normal use failure (e.g., power issue).
--------------
Does any one have any experience using either of the warranties? Is it really worth spending money?
Please share your thoughts.
i think it all depends on what phone you have.
if its expensive = yes
if its not = no
I f you lose phones constantly then yes. I have insurance on mine and it has paid for itself a couple of times. My friend got the same phone without warranty and one day lost it. Had to pay up $300 for the replacement.
sweetnsour said:
i think it all depends on what phone you have.
if its expensive = yes
if its not = no
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Kyocera Echo is the phone in question.
What would this phone rated as: Cheap / expensive?
monilchheda said:
Kyocera Echo is the phone in question.
What would this phone rated as: Cheap / expensive?
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assuming that you bought it at the price i saw for it ($99), i cant exactly say (but if i had to, id say a little expensive).
i wouldnt get the squaretrade warranty (paying more than the phones worth on warranty doesnt make sense)
i dont think a warranty is necessary (unless you are prone to accidents, or if you decide to mod your phone; if you are prone to accidents or if you do decide to mod your phone, then i would go with sprints program
Omnichron said:
I f you lose phones constantly then yes. I have insurance on mine and it has paid for itself a couple of times. My friend got the same phone without warranty and one day lost it. Had to pay up $300 for the replacement.
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Not been much of a phone looser.
But, a good question is Sprint TEP / Square trade?
Anyone here suggest having it from T-Mobile?
It's $7.99 a month...
Is it worth it? I don't get my phone stolen or lost... I always take care of my phones..
Input before bashing!
it's completely user preference.
Ask yourself this when trying to decide: "is $ worth it to me in the event that something unfortunate happens to my phone? Do I want to spend $$$ to buy a new one if the problem is not covered by the original warranty?"
Some people have horror stories in dealing with asurion others no problem at all... And remember, the plan does not specify that you'll get a brand new, unused phone, just a comparable phone....so you could end up with a refurbished phone after you're deductible...and who knows if it was ever fixed in the first place!
For me personally, I go with the middle tier insurance (4.79/month+130ded) for the first year because chances are that if I start having problems after that, I'm just gonna go in and get new phone and renew my contract at that point.
I got it but that's b/c i work for t-mobile and I've heard so many unfortunate stories
I take care of my phone as well but it's technology...anything can happen
Have a look at SquareTrade. Way cheaper and covers damages. If they can't fix it, they'll pay you the price you paid for the device. They charage a $124 fee for 2 years of coverage, zero deductible.
Search around online, you probably can find a coupon code to help you get 20-30% off the regular price SquareTrade would charge you for coverage.
Asurion's deductible alone is about as much or more than Squaretrade, plus you'd have to pay Asurion $8/month on top of that.
SquareTrade's protection is also transferable if you sell/give the device to someone else. (Sure to help your resale value on Ebay . )
But ultimately, if you don't have a history of damaging devices, you could save more by simply not buying insurance you don't need. The device does have a 1 year manufacturer's warranty. And there are many cell phone repair shops these days that don't charge much.
So it's up to you. Good thing is that you have plenty of options to choose from.
Asurion is NOT good insurance! You pay a monthly fee of around $8 and then a $100 (or $150 not sure which) deductible to actually get the phone replaced and they CAN still send you a refurbished phone as a replacement. So you pay for the phone twice and still may get a used POS! Don't waste your money. The standard warranty is a year with just about the same coverage (you just can't be at fault for any damages to get fixed).
I haven't checked out squaretrade yet, but imo a comprehensive insurance is a must. No matter how well u take care of ur phone accidents can happen and so can theft. To my knowledge, warranty only covers manufacturing defects, not incidental damage/theft.
Check your house insurance, mine is covered up to £700 for loss or damage, no excess to pay....
jdelforge5684 said:
I haven't checked out squaretrade yet, but imo a comprehensive insurance is a must. No matter how well u take care of ur phone accidents can happen and so can theft. To my knowledge, warranty only covers manufacturing defects, not incidental damage/theft.
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I would not say a "must". But worth considering if you have a history of issues. I used to buy it all the time, and after almost 10 years of never using it I stopped buying it and still was going just fine without it. I did get it on my Sensation though, because I got a very good deal from SquareTrade when I brought the Sensation through Ebay. The deal I got was <10% of what I paid for the Sensation, which is a price less than replacing it with a used one 2 years from now and less than I'd have to pay a repair shop to fix most any issue. So I'll get the insurance when I can get get a very cheap deal on it. Otherwise, I'll self insure, as in not buy it.
I'd certainly never use Asurion though. They got enough of my money in the past. In a year $8/month is $96 + $100(or higher) deductible = ~$200. So to pay about $200 or so for a refub of the same device is pretty terrible of a deal IMHO.
My old HD2 is the first device I've had that broke do to issues from drops over time, it's SIM slot broke after 16 months of ownership, that would have costs me about $225+ through Asurion, just to get a refub HD2 to replace it. I can get a nearly brand new HD2 for that price off Ebay tonight. But I didn't even want another HD2 16 months later, I wanted something new, so I sold the used broken HD2 on Ebay. The HD2 and it's SIM card with the Transformers movie fetched me almost $150 which went torwards Sensation accessories and more than paid for the SquareTrade coverage. I could have used that money to buy an HD2 in better condition if I desired, or paid less to get the broken HD2 repaired. But in no way does the math ever work for me to use Asurion ever again. If car insurance or home owners insurance were 50% of the price of the device new or 100% of replacement with a used version of the same, people would cry it was fraud.
kjt57 said:
Check your house insurance, mine is covered up to £700 for loss or damage, no excess to pay....
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For the vast majority in the USA, they won't cover a cell phone. And usually if they do, the deductible is as high as the price of the phone if not higher.
GET IT. I have it over 5yrs since I had my tmobile wing & even if you take care of it something could happen example my hd2 messed up when the electricity went out in my house the phone was connected to the tv and after that phone kept getting random boots. Just get it best investment you could do for your phone.
DEDUCTIBLE IS $130 for the Sensation according to Asurion website and literature.
I gladly pay $8 a month knowing that each year I can have my phone replaced twice. Lost, stolen, damaged no questions asked. Each time I have paid my $130 deductible I have received a brand new in box device. I have used it about 4 times now. They even send u a Sim card and it usually arrives the next day after u male the claim. But I will look into this other company u guys r talking about
Sent from my HTC Sensation Z710e using XDA Premium App
Your right $0 deductible for squaretrade but once Ur care plan is considered fulfilled you need to drop another x amount to cover you new device...
So to me that's the same as paying Asurions deductible.
Not to mention I paid a subsidized price for my sensation and if I was to buy another one I couldn't get it for that price again. So does that mean I'm screwed?
Coverage Amount For replacement payments:
You are covered up to the maximum value you paid for the item. Once we pay out that amount, your Care Plan is considered fulfilled. If you would like coverage on your new item, you need to purchase a new warranty for it.
For Repairs:
The Care Plan is good for multiple repairs, up to the maximum value of your item. Once the cost of repairs meets the full purchase price of the item, your Care Plan is considered fulfilled.
Sent from my HTC Sensation Z710e using XDA Premium App
I saw some other threads and figured I'd share a new discovery of mine. Not sure if anyone has heard of them:
http://www.worthavegroup.com/
Very affordable insurance and beats out SquareTrade, I think.
Just finished a claim on my EVO 4G with SquareTrade and they closed the warranty once they reimburse me. So essentially, once they pay you for a new phone, your warranty is considered fully used regardless of how many years of coverage you have left. Worth Ave has unlimited claims and includes theft and loss and all that cool stuff for a good price. $50 deductible for $599 coverage for my new Epic 4G Touch (iPhones have different coverage but other devices like Android phones are the same essentially). Roughly $60 bucks a year flat fee. I did my research on them before hand and I've only read good things.
Just thought I'd share!
-Rip
Do they reimburse you or just send you a "refurbished" phone? I like the fact that SquareTrade reimburses you so you can go out and buy any new phone on the market and yes, then you do have to buy a new warranty but it is a totally "new" phone.
frodoboy said:
Do they reimburse you or just send you a "refurbished" phone? I like the fact that SquareTrade reimburses you so you can go out and buy any new phone on the market and yes, then you do have to buy a new warranty but it is a totally "new" phone.
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SquareTrade reimbursed me to the EVO's current market value ($450). They do not give out refurbs and I believe Worth Ave is the same. They are not actual repair shops so they are not entitled to give you a replacement or refurb. Either they pay for repair at an authorized/licensed repair depot or they reimburse you with good old cash to buy another phone at current market value.
Insurance
Hello,
I don't know about in the US but my mobile is covered under the "accidental damage" portion of my home insurance policy, sure it might cost me my excess but I will only pay it if I damage the phone which may not happen.
regal_beaver said:
Hello,
I don't know about in the US but my mobile is covered under the "accidental damage" portion of my home insurance policy, sure it might cost me my excess but I will only pay it if I damage the phone which may not happen.
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Usually homeowner's policies have pretty high deductibles, usually $500 or more and that basically leaves you without coverage on all phones.
I think this is covered in some other threads. But check with your home owners insurance. I can get a rider for mine that costs $18/year. It is $18/year for up to $5000 of computers, cell phones, software, peripherals, etc. Not $18/device. Just $18/year!
It is all risk coverage. So it covers theft, loss, damage (like dropping it). $50 deductible.
So check with your insurance carrier is you have home owner's insurance (or apartment insurance).
a case is my insurance policy.
These always have deductible, take a couple of days and get a refurb old phone.
With the way tech changes, always feel its just better to trade up to a new phone if you lose/break.
So where do I get an insurance for my coming Nexus 4. I;m kinda skeptical about the strength of the phone and need a backup is something happens.
Only from Shop
If you bought it from a third-party store, you'll have warranty from the shop.
If bought online, no insurance. Just buy a case, and don't damage it, it really isn't that hard if you take care of it and not throw it everywhere.
itspb said:
So where do I get an insurance for my coming Nexus 4. I;m kinda skeptical about the strength of the phone and need a backup is something happens.
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SquareTrade but you will end up paying for the device in about 2 years. If you feel you might break it in that time go right ahead. (Note fine print has a $99 deductible.)
Honestly I will just do my best not to break it, and if I do, just buy a new one.
laptopfreek0 said:
SquareTrade but you will end up paying for the device in about 2 years. If you feel you might break it in that time go right ahead. (Note fine print has a $99 deductible.)
Honestly I will just do my best not to break it, and if I do, just buy a new one.
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Yeah problem with squaretrade is that with the upfront fee plus deductible, you're almost at the price of a new phone. This probably goes for any insurance on this phone since it's relatively inexpensive.
Would like to add that square trade will have a 40% off sale for black Friday. See their Facebook page to sign up. Makes it a more reasonable price. Now if only in can get a hold of a nexus 4 lol
If you buy from Google, you don't need a insurance. Just be careful of accidental damage which can be prevented if you pay attention.
marsdta said:
Would like to add that square trade will have a 40% off sale for black Friday. See their Facebook page to sign up. Makes it a more reasonable price. Now if only in can get a hold of a nexus 4 lol
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Ohh thanks for the info. The website states $7/mo or $125 for 2 years. The only difference between the two is paying up front or monthly right (aside from the discount)? Or are you able to cancel at any time, say after a year? I'm contemplating on whether it's a good deal since there is a $100 deductible (wil there be tax added on?) and the value of the phone will go down overtime as well. But with the 40% black fri deal, I would probably get it .
Also... this only covers damage and not lost/stolen phones like Tmobile insurance right..?
CoCoGirl886 said:
Ohh thanks for the info. The website states $7/mo or $125 for 2 years. The only difference between the two is paying up front or monthly right (aside from the discount)? Or are you able to cancel at any time, say after a year? I'm contemplating on whether it's a good deal since there is a $100 deductible (wil there be tax added on?) and the value of the phone will go down overtime as well. But with the 40% black fri deal, I would probably get it .
Also... this only covers damage and not lost/stolen phones like Tmobile insurance right..?
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Well I know for the lump sum one that if you cancel you get a prorated refund. I haven't found anything saying that you can't cancel the monthly plan but I would contact them to be sure.
The deductible shouldn't have any tax added. And yes it does not cover lost/stolen phones.
Usually I'm very careful with my phones but have dropped them from time to time. I did own an iPhone 4 for only 6 months though so still not sure about the longetivity of an all glass phone.hence contemplating square trade. But with the 40% off I would be looking at 175 if I do file a claim.
Another option I saw a fellow xda recommend is going threw werth Ave group. Its an actual insurance company(think auto,home,etc) they have a 50 deduct and covers theft. But know nothing about them
Would these insurance policies cover if the micro USB charging port on the phone gets messed up? it happen on my sprint OG Evo4G, the USB got completely separated from the board itself... (I have no clue how that could happen) and i had to go through my insurance to get it taken care of, (and shell out $100 for a replacement)
But how about if by accident the phone get bricked or something software related? Or if they battery doesn't charge good anymore and it needs to be replace?
If you bought it through T-Mobile, they have a $5 per month insurance policy ($20 deductible) for accidental damage. They also have an $8 per month policy (no deductible) that covers damage and theft. Beats the SquareTrade, even with the discount. I understand that most people probably got it through the Play Store but hope that helps anyone thinking of getting it through T-Mobile.
I personally got the $8 plan. I'll probably either cancel the plan or downgrade it to the $5 after I get a case and some screen covers.
I have a Citi Forward Visa card, for free (no annual fee either) you get $250 of cell phone insurance ($50 deductible). I just filed a claim on my Galaxy Nexus after the screen cracked when I dropped it. Seems pretty straightforward and can't beat the price. It covers breakage & theft.
Stryder5 said:
If you bought it through T-Mobile, they have a $5 per month insurance policy ($20 deductible) for accidental damage. They also have an $8 per month policy (no deductible) that covers damage and theft. Beats the SquareTrade, even with the discount. I understand that most people probably got it through the Play Store but hope that helps anyone thinking of getting it through T-Mobile.
I personally got the $8 plan. I'll probably either cancel the plan or downgrade it to the $5 after I get a case and some screen covers.
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Incorrect...
Sent from my DROID RAZR HD using Tapatalk 2
Your Bank/Home Insurance
chadmd23 said:
I have a Citi Forward Visa card, for free (no annual fee either) you get $250 of cell phone insurance ($50 deductible). I just filed a claim on my Galaxy Nexus after the screen cracked when I dropped it. Seems pretty straightforward and can't beat the price. It covers breakage & theft.
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I'm assuming you have to buy the phone with the card in order for it to be covered? Really wish I knew this before paying with my Discover Card.
WinDroidGuy said:
Incorrect...
Sent from my DROID RAZR HD using Tapatalk 2
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How is that incorrect?
Sent from my SGH-T959V using xda premium
If u crack the phone with TMobile insurance there is a deductible it only covers non accidental stuff without the deductibles but if its not super cracked they won't charge u just Dont mention it ... U think if we buy from play store we can still get it insured from TMobile? I have the 8 dollar plan on my line for my One S right now Dont know what's gonna happen with that Lol
Sent from my HTC VLE_U using xda app-developers app
icecicle said:
If u crack the phone with TMobile insurance there is a deductible it only covers non accidental stuff without the deductibles but if its not super cracked they won't charge u just Dont mention it ... U think if we buy from play store we can still get it insured from TMobile? I have the 8 dollar plan on my line for my One S right now Dont know what's gonna happen with that Lol
Sent from my HTC VLE_U using xda app-developers app
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I'm pretty sure Premium Handset Protection will work with the Nexus 4. I don't see why it wouldn't, considering there are NO differences between the Play Store and T-Mobile version.
chadmd23 said:
I have a Citi Forward Visa card, for free (no annual fee either) you get $250 of cell phone insurance ($50 deductible). I just filed a claim on my Galaxy Nexus after the screen cracked when I dropped it. Seems pretty straightforward and can't beat the price. It covers breakage & theft.
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Thanks for mentioning this, I have the same card and I bought the phone using the card. Do you know how long it is covered? I can't find a link to the information on the site.
Sent from my HTC One S using XDA Premium HD app
hbkmog said:
If you buy from Google, you don't need a insurance. Just be careful of accidental damage which can be prevented if you pay attention.
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This. You just have to be really careful.