If you are thinking about getting your phone insured, "the details are incredibly important because what you are paying for and what you think you might be covered for could be two totally different things," warned Gjertsen. For example, under most insurance plans, you're covered if you totally destroy your phone, but if your screen cracks, that's out of pocket.
When it comes to insurance, there are a few different options.
Your Carrier
You could get phone insurance through your phone carrier, but plans vary with each provider. For AT&T, (T) insurance is $6.99 a month and offers coverage for loss, theft, accidental damage or out-of-warranty malfunction of your phone. It will provide you with a replacement as soon as the next day and you can make two claims within a 12-month period for a total of $1,500.
Verizon (VZ) offers coverage if your device is lost, stolen, damaged (including liquid damage) or defective after the manufacturer warranty expires for $9. You can file two claims within any consecutive 12 months with a maximum value of $400 to $1,500, depending on the device.
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