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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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One Year Manufacturer Warranty Question

I recently got a gs3 from a friend..so I did not buy through verizon or update my contract. With every single old phone ive had if i had any problem that was not due to dropping or getting wet i would call and the phone would be replaced through a one year manufacturer warranty. Is this still the same with the s3 and does it matter that i did not purchase it through verizon? i know i cant get insurance since i didnt purchase it through them but isnt it still covered from the manufacturer warranty? again i always got phones replaced for free if there was something wrong from the manufacturer.. as long as the phone had no signs of being dropped or abuse

I purchased my phone on another friends account, so I wouldn't loose unlimited data and was told by Verizon that it's fully covererd for 2 years. 1 year from Samsung and 1 year since I pay for the insurance. Hopefully I wasn't lied to!

My friend has bought a couple phones via craigslist and was able to put insurance on em. And yes you are still covered via the manufacturers warranty, atleast my friend was.
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vetteguy112233 said:
I purchased my phone on another friends account, so I wouldn't loose unlimited data and was told by Verizon that it's fully covererd for 2 years. 1 year from Samsung and 1 year since I pay for the insurance. Hopefully I wasn't lied to!
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If you purchase the 6.99 tec insurance you'll have extended warranty.
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I've bought most of my phones from criaigslist as well and and haven't ever had an issue putting insurance on them nor getting a replacement.
Sent from my Galaxy SIII

[Q] What will happen with my insurance?

Current owner of Verizon GNex. Gonna pick up S3 off contract. What will happen with my insurance when I finally purchase my S3? Will the insurance transfer to my S3 from Gnex even though I did not buy from Verizon?
Thanks!

Nope insurance only covers for phones bought off Verizon stores
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GoonAssJuan said:
Nope insurance only covers for phones bought off Verizon stores
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Not true most of my devices I've bought on craigslist and i did not have any issues getting my insurance switched to the device I got.
Sent from my Galaxy SIII

I asked a Verizon rep this same question. A few reps actually confirmed that the insurance covers a privately bought phone as long as you are on the Verizon network. They say its because the insurance is a third party, not actually Verizon. Addition carries the insurance. The analogy they used is just like buying another brand car, your insurance still covers it. Hope that helps.
Sent from my what the Nexus should have been! GSIII (It's a long story)

I can also confirm this, insurance has stayed on my account after switching phones. Either that or they owe me back several months worth of Assurance payments.

Purchased my S3 at Best Buy Mobile.
Called Verizon and added TEC (Total Equipment Coverage) includes Asurion insurance.
To my understanding, your insurance automatically follows whatever device you activate on your plan, although with Verizon, certain devices have an additional coverage cost, with a higher deductible.

I can confirm this as well...they will cover a device even if purchased from a third party (craigslist, private reseller). I just did this in mid September, went from my Gnex to a SGS3 bought used at a local electronics store. Didn't even have to do anything, although I did call Verizon several times to confirm this is how it works.
Chris

The insurance is on the line not the phone. So all phones are covered.
Hit me up on Gtalk if u need help @musclehead84

Whatever phone is activated on insured line shows up on Assurion website as the one insured at the time.

Biker1 said:
Purchased my S3 at Best Buy Mobile.
Called Verizon and added TEC (Total Equipment Coverage) includes Asurion insurance.
To my understanding, your insurance automatically follows whatever device you activate on your plan, although with Verizon, certain devices have an additional coverage cost, with a higher deductible.
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If you bought your phone at Best Buy why in the world would you not use their insurance instead? I only buy my phones at best buy. Same monthly cost and no deductible. Only downside is 3 day turn around instead of overnight. But at the cost of a deductible vs none I'll wait the 3 days.
Please fill me in if something has changed before I buy my wife's phone.
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jblack55 said:
If you bought your phone at Best Buy why in the world would you not use their insurance instead? I only buy my phones at best buy. Same monthly cost and no deductible. Only downside is 3 day turn around instead of overnight. But at the cost of a deductible vs none I'll wait the 3 days.
Please fill me in if something has changed before I buy my wife's phone.
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As per the BBM Rep, their insurance doesn't cover for
Lost phone or Theft.
TEC (Total Equipment Coverage) costs me
Only $6.99/mo. with a $99 deductible.
I'm covered for theft, loss, water damage, malfunctions, etc.
Funny thing is that the guy who recommended I purchase my S3 from BB, said I should buy their insurance, and that I'd be covered for theft and loss when I asked him this specifically. All for $10
I had to inform him differently after I made my purchase.
Found this with a quick search:
http://www.techlicious.com/guide/should-you-buy-phone-insurance/

Will vz replace my phone if I bought it best buy

I have vz insurance but i bought it from best buy. Could i send it to Verizon so I can get a replacement?
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If it was from a Verizon retailer in best buy then it's still a verizon phone so yes
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no sir verizon will not replace ur device if u cant take it back to best buy then do an insurance claim is the best route

If you have insurance with verizon you need to goto asurion.com and file the claim and pay the $100 and they will send you a replacement, no need to contact verizon. If your phone needs to be warrantied then call verizon and they will next day air you a replacement free.

Why oh why would you have VZW if you bought the phone at BB? BB insurance is cheaper, covers more, and has Jo deductible...
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jessicahll said:
Why oh why would you have VZW if you bought the phone at BB? BB insurance is cheaper, covers more, and has Jo deductible...
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Bestbuy insurance is more expensive a month (cheaper in the long run) but not better imo. They take your phone and send it off to get repaired which sometimes can take a month to get back (friends was 3 weeks). If you want a loaner you have to put down a deposit for it too. They also dont cover lost/stolen phones from what I heard. Yes vzw's insurance has a $100 deductible on smart phones but they next day air you the replacement and iirc the 2nd time u file a claim they wave the $100 or drop it to $50? I remember something like that with my brothers phone but not 100% on that.

I have the best buy coverage and it's been great. 10ish a month, and no deductible.
I have replaced my wife's phone twice, (its my 18 month Olds favorite toy), had a loaner for no more then 2 days, paid 50 for the loaner, but that gets given back when I return the loaner.
Verizon coverage is more a month, 100 deductible. As long as she doesn't lose it, I feel like it's paid for itself easily.

wingtytn said:
no sir verizon will not replace ur device if u cant take it back to best buy then do an insurance claim is the best route
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False in every way imaginable. Lol.
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I had to send in my old phone twice through Best Buy. Each time it only took 2 days to get a new phone because they would send me a new (well... Refurbed...) phone instead of repairing my old one
It now covers lost/stolen phones. And it's only a dollar more per month. Totally worth it, IMO.
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VZW will only give 1 year warranty refurbished phones when bought from their stores/phone or their on-line site.
No third party phones. unless u get lucky for instance,
if you bought an incredible 4g off eBay and it crapped out and needed a refurbish, since you bought off eBay you can't get a 1 year warranty replacement from VZW, but if someone else on your line has the same phone, and bought it from VZW and is within the 1 year warranty, just call in and activate the eBay phone with issues to the line that has the phone bought from VZW, get a refurbish sent and send back the eBay phone.
now.. this is 100% going to work, but I've personally done this and it worked, but don't blame me if it doesn't

maxlock said:
I have the best buy coverage and it's been great. 10ish a month, and no deductible.
I have replaced my wife's phone twice, (its my 18 month Olds favorite toy), had a loaner for no more then 2 days, paid 50 for the loaner, but that gets given back when I return the loaner.
Verizon coverage is more a month, 100 deductible. As long as she doesn't lose it, I feel like it's paid for itself easily.
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Verizon is $6.99 a month and the 1yr warranty from the manufacture gets extended for life of the phone (vzw will replace it after the 1st yr). But yes you do have a deductible on lost/stolen/damaged. If you want just the insurance without the extended lifetime warranty its $5.18 a month. So really its cheaper for just the insurance, BB is $10 x 24 mnths = $240. VZW is $5.18 x 24 mnths = $125. So if you only use the insurance once then it saves you $15

Whoa I didn't notice all the replies haha. I'm just thinking about doing an insurance thing since the gps is never 100 percent.
I went to best buy because I have the credit card with no interest for 18 months, and i paid full price since I didn't wanna lose my unlimited data
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I bought a gs3 3rd party, told vzw i bought it in a store and they sent me a refurbed no questions asked
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same here, they're overnighting a phone to me. i still get the yellow exclamation point when in download mode though, so i'm not sure if i did that part right or not, here's what it says.....
product name:SCH I535
custom binary download: no
current binary: samsung official
system status: official

Question about Asurion replacement

So recently my S3's power button broke and I don't have insurance. My dad has Asurion and we were thinking if we could switch phones, and send my broken phone in. He has a S3 as well. So basically I take his phone and he takes mine and sends in the broken one. Is this possible? Do they look at serial numbers on the phones or anything? I don't mind paying any deductible that he has, but I just need a functioning phone.

tu3218 said:
So recently my S3's power button broke and I don't have insurance. My dad has Asurion and we were thinking if we could switch phones, and send my broken phone in. He has a S3 as well. So basically I take his phone and he takes mine and sends in the broken one. Is this possible? Do they look at serial numbers on the phones or anything? I don't mind paying any deductible that he has, but I just need a functioning phone.
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You can try it, but i think it's a bad idea. It's essentially insurance fraud, and even though Asurion probably wouldn't be able to find out they would charge you the full price of the phone if they did find out.
You're better off contacting samsung for a manufacturers warranty if your phone is less than a year old, or get it fixed through mobile tech videos for a reasonable price.
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@tu3218 how old is your phone? If it's less than a year old just take it back the store it's a known defect.
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I don't think they can check. I just had my S3 replaced. For some reason, Verizon has my S3 listed under my mom's name. No big deal. However, be wary of any device you get from them. As I said, I just had mine replaced. The refurbed device they sent me has had a number of issues. I had to take it to Verizon and ask for a brand new one. So before you root, take a day or two to scout out any issues.
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BadUsername said:
You can try it, but i think it's a bad idea. It's essentially insurance fraud, and even though Asurion probably wouldn't be able to find out they would charge you the full price of the phone if they did find out.
You're better off contacting samsung for a manufacturers warranty if your phone is less than a year old, or get it fixed through mobile tech videos for a reasonable price.
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I agree as well.
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Thanks guys. Yeah my phone is more than a year old so no verizon for me or Samsung. I'll check out Mobile Tech Videos. This is so frustrating cause I've kept my S3 is such good condition, never dropped it or anything. But I get stuck with defective hardware because of piss poor design by Samsung. Sorry, just going back to grad school in a couple weeks and don't need this right now.