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Is insurance worth buying?

I'm wondering if it's worth buying insurance for this phone (or any phone for that matter). SquareTrade is supposed to be good...

In my opinion no, u got a warranty for a year anyways... just treat your phone with upmost care always have a case, if ur gonna go drinking DONT BRING IT WITH YOU haha

I would say YES, unless can guarantee that you will "treat your phone with upmost care always have a case, [and] if ur gonna go drinking DONT BRING IT WITH YOU" ...and of course no one ever steals it and you'll never accidentally drop it.

Lets talk about worth... $5 or $6 a month... versus you losing your phone, it getting stolen, you getting shoved into the pool with it in your pocket, etc etc etc...
Would you rather pay $5/6 a month and then $129 to replace the phone, or $499 to replace it?

JWhipple said:
Lets talk about worth... $5 or $6 a month... versus you losing your phone, it getting stolen, you getting shoved into the pool with it in your pocket, etc etc etc...
Would you rather pay $5/6 a month and then $129 to replace the phone, or $499 to replace it?
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Unless of course that SquareTrade service is as good as it claims... I'd take that over 2 years with a $50 deductible on accidentals instead of the T-Mo insurance I'm paying for.

It's 2 years of coverage for $51.99.
"WHAT IS COVERED:
Mechanical and electrical failures that occur during normal use of your item. Your item is covered for up to the full purchase price of your item (tax and shipping are excluded).
Some examples of covered issues include computer hard drive failures, iPod batteries that stop charging, cell phone keypads that get stuck, and digital camera sensor failures."
SquareTrade Inc. information.

xzxxzx said:
It's 2 years of coverage for $51.99.
"WHAT IS COVERED:
Mechanical and electrical failures that occur during normal use of your item. Your item is covered for up to the full purchase price of your item (tax and shipping are excluded).
Some examples of covered issues include computer hard drive failures, iPod batteries that stop charging, cell phone keypads that get stuck, and digital camera sensor failures."
SquareTrade Inc. information.
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That's EXTENDED warranty, not insurance.... insurance is when a phone gets lost or stolen.

funkadesi said:
That's EXTENDED warranty, not insurance.... insurance is when a phone gets lost or stolen.
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Whoops my bad. I kept seeing the squaretrade insurance pop up

i pay tmobile for my insurance. small price to pay for them just incase moments. i bought my phone outright so it was my best option. without it, i might be a little nicer to my phone. but with insurance lol, i just use it.

Insurance is a money pit
Guys insurance for a phone is a money pit I will show you.
I am very delicate with my phones like I know many of you are. I buy a case and screen guard and I have dropped one phone. So I dont buy insurance. Tmo insurance is 5.99/mo and the average length people keep the phone is about a 1yr some maybe 2yrs.
If you make a claim you have to pay a deductible which is usually around 125-150
so 5.99*12months= $71.88+$150=$221.88
If you have insurance for 2yrs: $5.99*24monts+$150=$293.76
Plus Tmo knows that less than 80% the people that get insurance will never use it, thats why they offer it cause they make money on it.
Now what if I self insur and pay myself 5.99 a month and save for a deductible. I can buy the same phone or a better one on craigslist or ebay. Therefore I dont buy insurance on any phone anymore cause we never used it we always bought phones off craigslist or ebay cheaper than our deductible. Just a little FYI

personally i have had insurance on my phones for 4 years, i have never had to use it(broke a G1 but since they couldn't get me a G1 i upgraded) yeah in the long run you might be paying a little more but i always compare it to car insurance. yeah i don't like paying an extra $150 a month for insurance on my car, but if i decide i don't want insurance and then i wreck the car i'm out a car(and in my state my license). or i can keep the insurance, pay the money, pay the deductible, and play it safe. in the end it's your choice but unless the phone is glued to your hand, and you live in the desert, then something could happen and end up costing you the price of the phone.
on the craigslist point: you don't always know where the phone you are buying off CL has been so there is no guarantee that you aren't buying a stolen device, i would rather pay retail for a phone that i know isn't stolen and comes with the box and everything in it, and the phone is in perfect condition

Well does anyone have any experience with square trade cause i was considering doing this as well

if you have access to the latest issue of Business Week (cover says Be Evil), there's an article talking about the company Asurion, who is the backer of cellular insurance for all of the big wireless companies around the world. chances are if you have the insurance, the replacement you get will be a refurb/used, which can usually be had for cheaper price. don't expect to be compensated with a brand new phone of equal value if yours goes bad.

[Q] RMA Robbery

My touchscreen on my TF has completely stopped responding to touch. I've tried resetting the device and wiping the data, but nothing will bring it back to life. I've been stuck at the Honeycomb Start screen for 2 days now, where you select your language when you first activate your device.
I called Asus support and they issued an RMA. When I got the email I realized it said that I had to pay to ship the device to Texas to get fixed. I refuse to pay to have this fixed after I just spend $400 on it last week. I called Asus support and was told only level 3 support would have the authority to override the policy and pay for the shipping both ways.
Now I can't decide what to do. Do I pay to ship it to Texas to get fixed, which I think is completely ridiculous? Or do I go to WalMart and return this thing? Does anyone know if I can go to WalMart and exchange it for another one when one comes in stock?
Appreciate any replies!

You'd only be able to return it back to WalMart within 30 days.
Sent from my Desire HD using XDA Premium App

rehughe said:
My touchscreen on my TF has completely stopped responding to touch. I've tried resetting the device and wiping the data, but nothing will bring it back to life. I've been stuck at the Honeycomb Start screen for 2 days now, where you select your language when you first activate your device.
I called Asus support and they issued an RMA. When I got the email I realized it said that I had to pay to ship the device to Texas to get fixed. I refuse to pay to have this fixed after I just spend $400 on it last week. I called Asus support and was told only level 3 support would have the authority to override the policy and pay for the shipping both ways.
Now I can't decide what to do. Do I pay to ship it to Texas to get fixed, which I think is completely ridiculous? Or do I go to WalMart and return this thing? Does anyone know if I can go to WalMart and exchange it for another one when one comes in stock?
Appreciate any replies!
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if you are within the return period just take it back to walmart and ask for a refund or exchange. Its' not gonna be faster with RMA.

I would return it. My right speaker is dead and I probably will just ship it back to Amazon to avoid the RMA Hassle and expense.
This product seems to have a high (10-20%) defect rate and its ridiculous that Asus makes the customers pay for shipping to Asus especially if they think their competition is really Apple who has the gold standard of customer service.

I'd take it back to the shop and ask for either a swap or a refund, I sure as heck wouldn't want to pay the postage.
Sent from my HTC Desire

Sportsguy15 said:
You'd only be able to return it back to WalMart within 30 days.
Sent from my Desire HD using XDA Premium App
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Walmart return policy says 15 days
Sent from my Asus Decepticon using Tapatalk

Walmart's return policy for electronics is 15 days.

Welcome to the New World Economy, where retail companies nickel and dime you for every cent they can, even when it is their fault. Unfortunately, this RMA scam is becoming more and more prevalent. Case in point, NewEgg, one of the better companies out there. Their standard policy these days is to make you pay for shipping back to them, even for DOA products. Their position is that 'we didn't make it, so it isn't our fault'. I sent my dock back to them last week, at my expense.
Then I got the refund. I was absolutely horrified to see that they refunded ONLY the cost of the item, without the original shipping costs that I also paid. Holy crapsticks....I went through the roof.
Needless to say, I was in live chat with them immediately, and low-and-behold...they refunded BOTH the original shipping as well as what I paid to ship it back to them, and I only needed to ask.
The point of this? ***** about it. Complain to whomever will listen. You've got a chance of getting it back, whomever the retailer.

I already complained last night to Asus on the phone. I explained to them that it is cheaper for them to pay for my shipping, than to get a refurb back from a retailer.
It is cheaper for me to return it, wait a few weeks, and buy another one.
I don't even care about the money, it would cost less than $10 to ship it back. This is about principle. I just spent $400 on a device, which became totally unusable within less than 2 weeks of owning it. I should not have to pay to ship it back to Asus.
It is becoming very apparent to me how Asus was able to undercut everyone else's ASP for a similar product.

meatlocker said:
Welcome to the New World Economy, where retail companies nickel and dime you for every cent they can, even when it is their fault. Unfortunately, this RMA scam is becoming more and more prevalent. Case in point, NewEgg, one of the better companies out there. Their standard policy these days is to make you pay for shipping back to them, even for DOA products. Their position is that 'we didn't make it, so it isn't our fault'. I sent my dock back to them last week, at my expense.
Then I got the refund. I was absolutely horrified to see that they refunded ONLY the cost of the item, without the original shipping costs that I also paid. Holy crapsticks....I went through the roof.
Needless to say, I was in live chat with them immediately, and low-and-behold...they refunded BOTH the original shipping as well as what I paid to ship it back to them, and I only needed to ask.
The point of this? ***** about it. Complain to whomever will listen. You've got a chance of getting it back, whomever the retailer.
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I RMA'd my first TF through newegg and they gave me a prepaid label to send it back to them.
Sent from my Transformer TF101 using Tapatalk

b1ackplague said:
I RMA'd my first TF through newegg and they gave me a prepaid label to send it back to them.
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That is all I asked for. I asked for a shipping label to the service center, and Asus said it is their policy not to pay for that.
Does anyone know if WalMart will take a return on an item that doesn't work properly?

b1ackplague said:
I RMA'd my first TF through newegg and they gave me a prepaid label to send it back to them.
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Consider yourself lucky.
*Does Newegg.com pay the return shipping cost for defective merchandise?*
No, Newegg.com does not pay the return shipping cost for defective merchandise. We are not responsible for product defects, because we do not manufacture the products we carry. However, if you pay to send the item back to Newegg.com, we will replace the item and ship the replacement to you at no charge. Newegg.com will employ every resource it has to ensure that your item is replaced promptly, without hassle.
Right there in the FAQ for RMA's.
http://www.newegg.com/HelpInfo/FAQD...=FAQ-_-Returns(RMA)-_-217&Menu=sn_217&Local=y

meatlocker said:
Consider yourself lucky.
*Does Newegg.com pay the return shipping cost for defective merchandise?*
No, Newegg.com does not pay the return shipping cost for defective merchandise. We are not responsible for product defects, because we do not manufacture the products we carry. However, if you pay to send the item back to Newegg.com, we will replace the item and ship the replacement to you at no charge. Newegg.com will employ every resource it has to ensure that your item is replaced promptly, without hassle.
Right there in the FAQ for RMA's.
http://www.newegg.com/HelpInfo/FAQD...=FAQ-_-Returns(RMA)-_-217&Menu=sn_217&Local=y
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Im getting mine rma from newegg too because of the speakers and the popping sound. I emailed them the other day and I got a prepaid ups label. I think if you contact them directly they will give you the label but if you did it the normal way they would make you pay for it.

ninja984 said:
Im getting mine rma from newegg too because of the speakers and the popping sound. I emailed them the other day and I got a prepaid ups label. I think if you contact them directly they will give you the label but if you did it the normal way they would make you pay for it.
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Do you have any idea how long it will take to get a replacement? I am thinking about sending mine back to Amazon instead of Asus but I think it will take much longer to get a replacement?

haupman said:
Do you have any idea how long it will take to get a replacement? I am thinking about sending mine back to Amazon instead of Asus but I think it will take much longer to get a replacement?
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I think it depends if amazon has any stock. If they dont you will probably get a refund and you have to find another one.

ninja984 said:
I think it depends if amazon has any stock. If they dont you will probably get a refund and you have to find another one.
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I think I will just send mine out to Amazon. Looking at the turnaround times, means I will be either getting a repair or refurb by early June anyway. I am sure Amazon will have more in stock on an active basis by early June.

I returned my TF bcoz the one of the speakers stopped working. Guess what, it was the second piece I got as a replacement after returning the first one. Took it back to PC Richards, and they gladly refunded my money back.
Now, I'm thinking if I need to get a TF after a few days, so that I would be able to get a piece from a subsequent production batch, where Asus would fix most of their issues or dump TF and get the Tab 10.1

I was in a similar position. Right out of the box, the screen showed flickering white lines, so I called Asus support. I got the same info: I would have to ship it to Asus at my own expense, and then wait ten to fifteen business days for it to be returned. I think not! I contacted J&R, where I bought the TF, and they provided me with a prepaid UPS shipping label for me to send it back and get a full refund.
Ron

I just returned mine at WalMart for a full refund. I'll be damned if I'm going to spend $400 on a product to last 2 weeks and then pay to get it fixed.
Now I don't even know if I want to order another one due to Asus's pathetic business practices.

rehughe said:
I just returned mine at WalMart for a full refund. I'll be damned if I'm going to spend $400 on a product to last 2 weeks and then pay to get it fixed.
Now I don't even know if I want to order another one due to Asus's pathetic business practices.
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Agree with you. I'm more inclined for the Tab 10.1 right now

Asurion?

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

a700 store warranty does it worth it?

my two weeks since I bought the tab are coming up. 2 years warranty at futuershop $100 should i get it? what is acer warranty?
thanks
v.

Do you have renters insurance? If not, get it. is way cheap. Then add a stand alone contents policy to it to cover property away from the home. Then if anything goes wrong they send check for actual replacement cost so can go get brand new instead of refurbished. Plus, for roughly the amount you pay for insurance on device, everything in your home is covered too. Takes a bit longer to get check than carrier/place of purchase, but worth it.
And it covers all damages not just manufacture defect

JediNinjafication said:
Do you have renters insurance? If not, get it. is way cheap. Then add a stand alone contents policy to it to cover property away from the home. Then if anything goes wrong they send check for actual replacement cost so can go get brand new instead of refurbished. Plus, for roughly the amount you pay for insurance on device, everything in your home is covered too. Takes a bit longer to get check than carrier/place of purchase, but worth it.
And it covers all damages not just manufacture defect
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I'm in Canada, don't think "renters insurance" exists here.

vasilii2012 said:
I'm in Canada, don't think "renters insurance" exists here.
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Really..? So no homeowners? Crazy.
*Shaolin Shadowboxing *

vasilii2012 said:
my two weeks since I bought the tab are coming up. 2 years warranty at futuershop $100 should i get it? what is acer warranty?
thanks
v.
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How long is the extra warranty if you don't pay extra?
1 year is usually enough. We'll probably be at Tegra 5 by then anyway. lol.

Warranty or Damage protection?

Does anyone know if Lenovo or Lowe's offers any kind of insurance/damage protection? Square trade might but I don't know?

elperezo said:
Does anyone know if Lenovo or Lowe's offers any kind of insurance/damage protection? Square trade might but I don't know?
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I thought I read somewhere that it was supposed to have a one year warranty, but when I added my phone to the Lenovo page, it claimed I had no warranty. I bought my phone from Lowes (online). The Lenovo phone rep claimed it was a glitch because their system isn't set up for phones, but they also couldn't look up my warranty to tell me how long it really was, so I'm not sure what to believe.

Square trade but it's a one time thing also make sure to get it right after getting the phone

Can you post link to Lenovo warranty register page?

dvdivx said:
Square trade but it's a one time thing also make sure to get it right after getting the phone
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I bought a square trade warranty for drops and spills, which also covers mechanical issues (if that's the right word), but I read somewhere our P2P has a 1 year manufacturers warranty, since it's sold in the states. According to Lenovo US Phab 2 Pro site http://shop.lenovo.com/us/en/smartphones/phab-series/phab2-pro/ there is a warranty, but apparently you have to contact them for specifics.

audscott said:
I bought a square trade warranty for drops and spills, which also covers mechanical issues (if that's the right word), but I read somewhere our P2P has a 1 year manufacturers warranty, since it's sold in the states. According to Lenovo US Phab 2 Pro site http://shop.lenovo.com/us/en/smartphones/phab-series/phab2-pro/ there is a warranty, but apparently you have to contact them for specifics.
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There is a SquareTrade warranty with Drops and Spills... I couldn't get any kind of warranty for my Chinese Huawei Mediapad X2... SquareTrade said nope... They said only USA releases... I am thinking that I will get the SquareTrade with Drops and Spills. Something like a $99 deductible and maybe $150 a year... You need to have a receipt from a good USA retailer. I bought my Note 3 NEW on ebay a year or so after it was first released... SquareTrade would only give me a mechanical warranty... I bought my nephew a tablet that was manufactured with an inherent problem with the charging port. I got a 3-year Drops & Spills warranty on it. We are now on the THIRD brand - new tablet SquareTrade has sent us!!! The charging port goes bad and they apparently cannot fix it. I had no deductible and no shipping charges to or from! The only thing is that the tablet is no longer available and it took a LOOOONG time to get this last new one... I am going to demand money instead of a new tablet if it happens again!!!
Sent from my SM-N900T using Tapatalk

VillaRegina said:
There is a SquareTrade warranty with Drops and Spills... I couldn't get any kind of warranty for my Chinese Huawei Mediapad X2... SquareTrade said nope... They said only USA releases... I am thinking that I will get the SquareTrade with Drops and Spills. Something like a $99 deductible and maybe $150 a year... You need to have a receipt from a good USA retailer. I bought my Note 3 NEW on ebay a year or so after it was first released... SquareTrade would only give me a mechanical warranty... I bought my nephew a tablet that was manufactured with an inherent problem with the charging port. I got a 3-year Drops & Spills warranty on it. We are now on the THIRD brand - new tablet SquareTrade has sent us!!! The charging port goes bad and they apparently cannot fix it. I had no deductible and no shipping charges to or from! The only thing is that the tablet is no longer available and it took a LOOOONG time to get this last new one... I am going to demand money instead of a new tablet if it happens again!!!
Sent from my SM-N900T using Tapatalk
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I bought my square deal warranty for $79 for 1 year with $99 deductible. Use harvest20 as coupon/code at checkout for 20% off. At least that worked for me last Friday.

audscott said:
I bought my square deal warranty for $79 for 1 year with $99 deductible. Use harvest20 as coupon/code at checkout for 20% off. At least that worked for me last Friday.
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Thanks! I forgot about the 20% off... I have been getting emails from them about that and just automatically deleting them because I don't need a new warranty at this time... I am still waiting for the P2P to COME BACK!!! I WILL get the warranty ASAP after buying the phone... I figure I would be spending at least as much on a new phone without a warranty as I will on a P2P + WARRANTY...
Sent from my SM-N900T using Tapatalk

you can buy extended warranty from lenovo. do a warranty lookup and use the phones serial #.
-Sent from my TMO Galaxy Note 5

I just got an email from SquareTrade yesterday with the code STREGINA for 30 % off until 12/15 (I think)...
Sent from my SM-N900T using Tapatalk