3 cheaper alternatives to cell phone insurance through your carrier

3 cheaper alternatives to cell phone insurance through your carrier
Image Credit: Dreamstime.com
Team Clark is adamant that we will never write content influenced by or paid for by an advertiser. To support our work, we do make money from some links to companies and deals on our site. Learn more about our guarantee here.

Cell phone insurance policies say they’ll protect you if your phone is lost, stolen or broken”¦but will they really?

Read more: Fire hazard: iPhone burns hole into notebook

Three better alternatives to cell phone insurance

Cell phone insurance typically runs about $120 a year. You have a deductible to meet — usually anywhere from $50 to $200 — and after paying that you often get a refurbished replacement phone. Not necessarily a new one!

But you do have other alternatives…

Get a case

Why not get something like an Otterbox? It’s a protective case for smartphones that is clunky and ugly, but really protects your smartphone in the event that you drop it.

You can get a protective case like this on a discount site like eBay or Amazon. But even if you pay full retail price, it’s still a lower cost way to protect your phone. And that insurance policy you could buy will only guarantee you a refurb anyway!

Try a repair shop

Here’s another thought: Try a local cell phone repair shop when your phone breaks, especially for replacing a cracked screen. They’re spreading like wildfire across the country and typically specialize in Android and iPhone repair.


Repairs tend to price out somewhere between $50 and $150 at these shops. That is cheap money compared to the alternative of insurance through your wireless carrier.

Look away from your mobile carrier

If you’re an iOS person, AppleCare+ costs $99-$129 for two years of coverage and you pay $79 or $99 per incident, depending on model.

Here’s a real-life cell phone insurance horror story

A couple of years ago, David Lazarus of The Los Angeles Times wrote a column about how one woman purchased an iPhone 5 on AT&T and then decided to sign up for what was then a $6.99/month policy when she was traveling in Asia.

Her phone was stolen during the trip, so she went to the police and filed a report. Then she filed a claim with Asurion, the insurance provider.

Well, her claim was denied three times by Asurion. Their rationale? She wasn’t covered because she wasn’t on the AT&T network at the time of the theft.

That’s despite the fact that it clearly states in the insurance contract’s nine pages of mice type: ‘The coverage territory is worldwide.’

That just goes to show you what a stinker cell phone insurance through your carrier can be!


Read more: Scam alert: Your Apple ID is NOT expiring!

  • Show Comments Hide Comments