Buy smartphone insurance? - General Questions and Answers

Hey XDA, I was wondering where I could get my cell insured at since I didn't bother paying a deductible the day I purchased it. I'm really regretting it... just to be on the safe side am I able to buy insurance on a used phone? Thx guys
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Related

Black tie vs sprint's tep

I realize this has nothing to do with our phones but maybe someone can help, which is better? Why? Thanks in advance!
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I don't have Sprint, I have T-Mobile, but FWIW I opted for the black tie over the Asurion plan (whether you have Sprint or T-Mobile or AT&T or whoever, your insurance is still likely through Asurion).
If I lose my phone I'm SOL, but I feel I'm far more likely to break it or have water damage that I'd want covered, which Black Tie covers no questions asked with no deductible.
Also recently my back button started freezing up on me, so I took it in to Best Buy and they just ordered me a new phone and gave me a loaner to use until it gets here. So worth it.
Before anyone buys a phone from bb, do your homework with your cell company. I've seen many times, with sprint phones, that bb's price is considerably more expensive than buying it from the provider. I'm not talking about signing a contract, I'm talking about buying the phone outright full price. I've seen differences in price that were in upwards of $100 more for buying it full price at best buy.
Thanks Matt, Oscar the grouch I was asking about the insurance but thanks for the input
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I have sprint insurance and I love it, but if BBC give you a loaner that's cool also. With SPRINT if you live by a repair shop (I do) it perfect
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What I'm saying is don't go to bb just because of black tie and buy a phone. You might be paying more than you should. That was for other people that might be considering what you're talking about in future purchases.
oscarthegrouch said:
What I'm saying is don't go to bb just because of black tie and buy a phone. You might be paying more than you should. That was for other people that might be considering what you're talking about in future purchases.
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Yeah best buy charges more than retail. Even with an employee discount they charge more than retail.
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What's The Best Insurance To Go With

I was doing some research and was wondering what insurance everyone else is using. What is the best insurance company to g with and why?
I also was wondering does the Samsung galaxy S3 have a 1 year warranty like the iPhone?
antawnm26 said:
I was doing some research and was wondering what insurance everyone else is using. What is the best insurance company to g with and why?
I also was wondering does the Samsung galaxy S3 have a 1 year warranty like the iPhone?
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I think almost all phones have a standard 1 year warranty. For insurance, i have Asurion through Verizon. However, there are others such as Squaretrade.
Anyone know how Asurion and Squaretrade insurance compares to Best Buy's insurance? I bought my GS3 at BB.
I am wondering also. Best buy told me they changed their warranty policy and do not try to fix the phone anymore, they just replace it.... I wonder if they lied?
I bought my phobe from ebay... Can i still insure it???
VERIZON GALAXY S 3
Asurion is more expensive than squartrade but asurion offers lost or stolen correct? can you insure with BB if you didnt buy it there?
chakra said:
I am wondering also. Best buy told me they changed their warranty policy and do not try to fix the phone anymore, they just replace it.... I wonder if they lied?
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Best Buy changed that a long time ago. I had the service plan on them with my old evo and I brought it in witha problem 4 or 5 times. I dropped it off, paid a $50 deposit and 2 or 3 days later I would get a basically new phone from them, drop off the loaner phone and get my deposit back. It's pricy ($10/mo) but it covers water damage, physical damage, defects and just about anything else. I just bought my GS3 there yesterday and got the service plan again and it's still the same coverage but they added a thing where if you trade in that phone when you are done with it you get $50 back on top of the trade in price. Pretty damned good deal if you ask me.
antawnm26 said:
Asurion is more expensive than squartrade but asurion offers lost or stolen correct? can you insure with BB if you didnt buy it there?
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They said they would insure any new phone thats less than 30 days old. even if you didnt buy it there.
I use the best buy insurance. 10 a month on the 2 s3s and a g nex. If you get the full coverage and have an extra phone you can use you won't have to pay for a loaner phone. Also no deductible. Assurion is complete joke. 100 dollar deductibles and you will only get 2, YES 2 phones. I did this with my htc thunderbolt and received a letter in the mail from them stating that my insurance is dropped because I reached the 2 phone limit.
Insurance? What's that? I've never carried it lol.
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I was looking at ensquared.com, does anyone have any experience with them?
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For better or worse, it seems that Verizon treats you differently if you have insurance through them/Asurion. A couple of years ago, I was having a problem with my LG Voyager and took it in to them. They told me it was a known problem with the phone, and they were going to let me pick from three other phones right there at the store.
A co-worker's wife had the same phone with the same problems, so I told them to go in and try and get the replacement. When they went in, they were told they couldn't get a free replacement phone like I did, and that it was because they didn't have the insurance on the phone.
I've used insurance enough in the past to warrant me continuing to use it, so when I heard this, I figured I'll just stick with Verizon's Aurion insurance due to the benefits that possibly come with it.
A rider on your home owners insurance policy.
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benfikaman said:
I was looking at ensquared.com, does anyone have any experience with them?
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This.
I've also been eying ensquared. It looks like the best, but I'd like to hear if anyone has experience with them.
The BB insurance seems like the way to go. So basically for $10 a month you continually drop your phone, and you will get a brand new device each time? Not that I would do that, but it would be nice to have that piece of mind instead of having to worry so much about your phone...
I will definitely be buying my next phone from them if they don't change this policy.
rpxz said:
Assurion is complete joke. 100 dollar deductibles and you will only get 2, YES 2 phones. I did this with my htc thunderbolt and received a letter in the mail from them stating that my insurance is dropped because I reached the 2 phone limit.
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VZ rep told me a $199 deductible. When I started laughing at her, she said it was an $800 device. I declined.
Okay ya it asurion is a 100 dollar deductible but it covers lost and stolen phones. No other does that I know of without having a deductible. Best buy is 10 dollars a month combine that with asurion so your covered if its lost or stolen. That's 17 dollars a month or 204 dollars year. 2 year contract that's 408 dollars.
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Kreeker said:
The BB insurance seems like the way to go. So basically for $10 a month you continually drop your phone, and you will get a brand new device each time? Not that I would do that, but it would be nice to have that piece of mind instead of having to worry so much about your phone...
I will definitely be buying my next phone from them if they don't change this policy.
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Even if you buy it somewhere else you can still insure it with them within 30 days.
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[Q] Anyone have insurance through verizon on their S3?

My charge port on my S3 is going to crap. I have insurance on my phone though and thinking about getting a new one. Has anyone got a new phone through Verizon insurance? How much did you have to pay? Was it new of a refurb? Thanks
bmatty14 said:
My charge port on my S3 is going to crap. I have insurance on my phone though and thinking about getting a new one. Has anyone got a new phone through Verizon insurance? How much did you have to pay? Was it new of a refurb? Thanks
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If the phone is under a year old Verizon should just replace it without going through insurance. They most certainly send you a certified-like-new device. If the process is handled by Verizon it will either be free or like $3 for overnight shipping.
bmatty14 said:
My charge port on my S3 is going to crap. I have insurance on my phone though and thinking about getting a new one. Has anyone got a new phone through Verizon insurance? How much did you have to pay? Was it new of a refurb? Thanks
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If your phone is more than a year old, you will have to go through the insurance. It will cost $99 and you get a brand new phone not a refurb.
If you have the complete verizon insurance package you dont need to go through insurance they will replace it for you, they did the same for mine when it wouldnt turn out
From what I was told you have to pay $90
As long as you paid for insurance. Which is 10 a month for two years or $100 up front which covers the two years
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If you have insurance through Verizon Wireless (not some authorized seller of Verizon products) it is handled by Asurion, a third party insurance provider. If you need insurance replacement (lost, stolen, or damaged phone) it is $99 dollars. The phone you get from Asurion will most likely be refurbished but occasionally they do send new ones depending on stock.
If the port has stopped working because of a manufacturer defect with the device and not because it was damaged somehow, then you have to go through Verizon. If it's under warranty (been less than a year since you purchased the device) or if it's been more than a year and you have an extended warranty the device will be replaced at no charge through Verizon
If it's a manufacturer's defect the insurance company won't replace it. It has to be covered by warranty.
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I just was at Verizon 3 days ago.
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Insurance on the nexus 5

What is everybody doing for insurance on their nexus 5. I was going to buy my N5 at my local best buy till I saw their price gushing. I take full advantage of their geek squad insurance. I don't find 10 bucks a month to bad in case I break my phone.
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I was thinking of checking out Ensquared. Seems like a good deal, but I'm still trying to track down enough real-world experiences before I commit.
Also curious about this. Finally leaving Verizon where I always had insurance at least the first year of a new phone. Never really been a fan of cases but thinking of going that route instead.
I don't have enough money to insure my phone.
supercakefish said:
I don't have enough money to insure my phone.
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Lol. Same here.
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I'm not taking my N5 with me when I get drunk, like my N4. That should help this time, and also that the back is made of plastic not glass.
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My insurance is not breaking my phone. Has worked for me well so far :laugh::laugh::laugh:
I pay 10 a month for insurance on my HTC one x with geek squads insurance. I have been through 5 phones so I think it has been worth it.
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I'm waiting for a quote for a rider on my home insurance.
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moehagene said:
I pay 10 a month for insurance on my HTC one x with geek squads insurance. I have been through 5 phones so I think it has been worth it.
Sent from my HTC One XL using Tapatalk
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Can you get this insurance on phones you didn't buy at best buy?
warri said:
Can you get this insurance on phones you didn't buy at best buy?
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I don't believe so. Apparently Best Buy ended up changing their insurance policy as well to where there is now a deductible. I got tired of the crap I was having with AT&T and ended up buying a nexus 5 from the Google Play Store and switching to T-Mobile.
phone insurance is worhtless. For example, the S4 insurance for T-mobile is $10-12 a month. then you pay close to $180 when you claim one. So lets say you claim one after 10 months. That's $100-$120+180= $280-$300. on top of that you get a refurbished one. I know its a peace of mind but why not just put those $10 on the side instead of paying the company. and hope you don't ever break the phone. and if you do, then you got cash to pay for a fix. that's the way I see it.
NJ_RAMS_FAN said:
phone insurance is worhtless. For example, the S4 insurance for T-mobile is $10-12 a month. then you pay close to $180 when you claim one. So lets say you claim one after 10 months. That's $100-$120+180= $280-$300. on top of that you get a refurbished one. I know its a peace of mind but why not just put those $10 on the side instead of paying the company. and hope you don't ever break the phone. and if you do, then you got cash to pay for a fix. that's the way I see it.
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I suppose it depends on the policy but I agree for some it is not suitable.
For me it is though. My Nexus 5 cost £300. I pay £7 a month for complete cover and get a brand new device with no "excess" to pay.
So in 1 year I have paid £84 which is not enough to buy a new replacement.
Im covered for accidental damage, loss and theft. For me this is peace of mind. I've had 2 of the 3 things happen before
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rootSU said:
I suppose it depends on the policy but I agree for some it is not suitable.
For me it is though. My Nexus 5 cost £300. I pay £7 a month for complete cover and get a brand new device with no "excess" to pay.
So in 1 year I have paid £84 which is not enough to buy a new replacement.
Im covered for accidental damage, loss and theft. For me this is peace of mind. I've had 2 of the 3 things happen before
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What policy do you have?
Not sure for you other countries but many US credit card companies offer different perks for being a member. My phone is covered for free with a very low deductible, I think $25, when I pay my cell phone bill with my Wells Fargo credit card.
For this phone, it's not worth paying insurance for because you could get a new or used one cheap.
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NO TEP for nexus 5 sprint

ever since i got this phone i been having trouble trying to get TEP they keep saying call back.. i always hace had TEP on every sprint phone i have had.. im on the phone now and they saying that they cant do it for some reason?? what im i supposed to do.. wtf?? where can i get good phone insurance at? im really pissed about this.. if i knew that i couldnt get TEP on this phone i never would have gotten it.. i would have just kept my gs4.. now i have a phone that i have NO insurance on cant find any cases or screen protectors for the darn thing.. like wtf.. yea i kno i can get a case off line which i alreadt orderd one but that will take 1-2 weeks to get her.. i NEED insurance.. so guys who or what insurance do u guys use?? i need some for peice of mind
The only way you would is if you bought the phone through Sprint. Guessing you didn't? Just take care of your things.
belvedere said:
The only way you would is if you bought the phone through Sprint. Guessing you didn't? Just take care of your things.
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yea i do take care of my things bro but **it happens.. well if i cant find decent insurance then its going on ebay:good:
P.Mobile said:
yea i do take care of my things bro but **it happens.. well if i cant find decent insurance then its going on ebay:good:
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Really? TEP is a total ripoff. 10 bucks a month PLUS a $150 deductible on the off chance that you actually have to use it. Seems like kind of a questionable reason to sell your awesome new phone, especially when you can get a brand new one for $350. But hey, whatever floats your boat.
maxpower7 said:
Really? TEP is a total ripoff. 10 bucks a month PLUS a $150 deductible on the off chance that you actually have to use it. Seems like kind of a questionable reason to sell your awesome new phone, especially when you can get a brand new one for $350. But hey, whatever floats your boat.
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well see i like having insurance on every smartphone i ever had.. i really dont care what insurance it is.. all i kno is TEP.. do i want to sell my new phone.. na not really.. just want insurance on it that all years ago my evo 4g got stolen paid 100$ they sent me a brandnew phone... so 10$ a month really dont bother me much.. what happens if something like that happens to my new phone.. im *****d
I'd never buy insurance on a $350 phone but I have Worth Ave Group insurance on my son's iphone.
Why not set the $150 aside and then put away $10/mo as insurance?? You'd reach the outright purchase price of the phone pretty quick if you ever ran in to problems. It can't possibly be that hard to set aside some reserve in case your phone dies.
Sell the phone, then pay $450 for the same phone from Sprint, they'll let you pay $11 per month for high deductible insurance.
$450 cost of phone
$150 deductible if you lose it once.
$11 per month x 24 ? = $264
Spigen has both cases and screen protectors. http://stores.ebay.com/spigensgp/
I don't buy any other.
The insurance industry is working on your mind, now that you need insurance.
jimmyjoebob said:
Sell the phone, then pay $450 for the same phone from Sprint, they'll let you pay $11 per month for high deductible insurance.
$450 cost of phone
$150 deductible if you lose it once.
$11 per month x 24 ? = $264
Spigen has both cases and screen protectors. http://stores.ebay.com/spigensgp/
I don't buy any other.
The insurance industry is working on your mind, now that you need insurance.
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Totally rockin' the SlimArmor case on my N5! Fit's perfect and the buttons are great.
I bought my phone from Google had to go to Sprint to get the SIM card. Had the tech switch my evo 4g LTE to the Nexus. He asked if I want to keep my insurance and I said yes. He also said that it would go down in cost from $11 to just $8.
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jdawg0024 said:
I bought my phone from Google had to go to Sprint to get the SIM card. Had the tech switch my evo 4g LTE to the Nexus. He asked if I want to keep my insurance and I said yes. He also said that it would go down in cost from $11 to just $8.
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well u got lucky man.. cause i always had insurance since i been with sprint and when i switch from the s4 they said i had to switch my plan also cause i was on the 450 min plan.. so then i went with the my way new plan... then i talked to many reps and they all said they cant do it..??? they even credit me 20$ for the hassel..
I believe there are 3rd Party insurance companies you can go through. Sprint dropped mine too. But if something happens I'll just buy a new one outright.
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You can't get tep only insurance for if its physically damaged or liquid damaged which is dumb. But I'm a technician for sprint so if your in northern Virginia I can try to help you the best I can. But it may change in the future I will let my higher ups know and get this addressed to try to help not only you but people with this phone cause I don't think its fair that if your speaker goes out that you would have to pay $53 or $75 once they change it for not having in store coverage which cannot be covered. I think with all the people I know I should be able to get something done I'll post back when I get something confirmed but rest assured I will get tep for this phone for everyone that wants it.
I activated my n5 today and they transfered my insurance no problem it actually went down to 8 a month instead of 11
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The issue is the 32GB model, If you have the 16GB model you can get Sprint TEP on it, as I have it on mine and mine was bought from the play store, but anyone with the 32GB model will not be able to get Sprints TEP and will not be able to have sprint techs look at their phone in repair stores either, it's simply not supported. PS I am a technician at a corporate Sprint store
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Better than tep IMO
http://www.ensquared.com/Android-Cell-Phone-Insurance
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TEP is a ripoff. My credit card offers free coverage, as long as I pay my cell bill on it every month. $400 of coverage I believe, with something like a $50 deduct.
LymeWire said:
The issue is the 32GB model, If you have the 16GB model you can get Sprint TEP on it, as I have it on mine and mine was bought from the play store, but anyone with the 32GB model will not be able to get Sprints TEP and will not be able to have sprint techs look at their phone in repair stores either, it's simply not supported. PS I am a technician at a corporate Sprint store
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I work at the employee store and bought the 16gb version (obviously) and it wouldn't let me get tep so it may just be a temporary issue with RMS
dave99 said:
TEP is a ripoff. My credit card offers free coverage, as long as I pay my cell bill on it every month. $400 of coverage I believe, with something like a $50 deduct.
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Which credit card is that?
P.Mobile said:
well u got lucky man.. cause i always had insurance since i been with sprint and when i switch from the s4 they said i had to switch my plan also cause i was on the 450 min plan.. so then i went with the my way new plan... then i talked to many reps and they all said they cant do it..??? they even credit me 20$ for the hassel..
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Forget the fact that you have insurance, how many times have you had to claim insurance in all the years you had the smartphone? I had TEP for my HTC Touch Pro for almost 1.5 years back in 2009/2010 and I only claimed it once. To me it was a rip off and this was when it was still $7/mo. At $11/mo currently it is even more of a rip off. To add insult to injury the Galaxy Nexus 5 is only $350 unlike the GS4 or iPhone 5S which are $650-$700.

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