Turning your thoughts to iPhone insurance is only natural. So should you get your smartphone insured to make sure that glass is protected from drops, the device is covered for theft and, crucially, your hangover after a big night doesn't also have to be compounded by a lost phone without cover? Cover will vary from policy to policy so be sure to check you've got cover for everything you need.
The main things to think about are theft, loss and damage. But beyond that you might want to check the fine print to make sure it covers water damage specifically. Another factor is calls made after a phone is stolen - not all policies cover this either so you might want to check twice before picking a cheaper policy that may not cover this. If you want a replacement phone while yours is gone, then that might be another part of the policy you need to look out for and add.
Anyone with a relatively new iPhone could use insurance. Unless you have some way of never losing, breaking or having your iPhone stolen and please let us know if you do! That or you're rich enough to just replace it outright, of course.
A few more dollars each month usually isn't obvious. Still, these fees mean you're spending extra money every month. Just like with other types of insurance, when you make a claim, you also pay a deductible to get a repair or a replacement phone, or that money will be deducted from a cash settlement paid by the insurance company. This coverage can be a good deal if your phone is totally ruined and you have to buy a new one at full price, but if you just need a repair, the deductible you pay may be a significant percentage of the cost of the repair.
Of all the "gotchas" hidden in many iPhone insurance policies, this is one of the worst. Let's say you have an incident and need a new phone. You've been paying monthly fees, and you've paid your deductible.
But you may not get a totally new phone. In fact, when your insurance company replaces your broken phone with a working one, the replacement is often refurbished.
The phones that insurance companies send are often phones that were sold used or were broken and then repaired. For your hundreds of dollars of premium and deductible, wouldn't you rather have a truly new phone?
Nobody likes getting the runaround, but that's just what many iPhone insurance customers have reported. Rude employees, lost paperwork, delays in getting replacement phones, and related hassles seem endemic to this type of coverage.
This isn't true of all insurance plans, but some of them limit the number of claims you can make during your one- or two-year policy term. For example, some iPhone insurance policies limit you to two claims in a two-year policy. Have the bad luck to have a phone stolen or break a third time in two years? Your insurance won't help you and you'll be stuck paying full price for a repair or a new phone.
Insurance companies provide coverage for loss, theft, damage, and other calamities, but they can't help you with the day-to-day frustrations technology often presents to us. If you're having a software problem, or just have a question about how to use your phone, your insurance company can't help you.
You'll need to find answers somewhere else, whether that's online or from an in-person option like Apple's Genius Bar. Even with so many reasons to avoid iPhone insurance, you're not completely on your own in a world that's often hazardous to phones. Instead, you should seek your help from the same place where you buy your phone: Apple.
Apple's extended warranty program, AppleCare , is a great option for people who want ongoing coverage for their phones. Not everyone will find it a good deal if you upgrade whenever a new phone comes out, it may not make sense , but for those who do, the benefits are many. Besides purchasing a separate iPhone policy or extending homeowners insurance to cover your device, is there another way to insure your cell phone?
I haven't found any other insurance alternatives at this time, but I do have three steps to take, plus a bonus tip for parents that can protect your iPhone and keep your budget from busting in the case of an emergency. Here's an option to look into if you'd like an extended warranty on your iPhone without having to pay anything at all for it.
Did you know that some credit card companies offer something called Purchase Security or Purchase Protection if you pay for your device with your credit card? Visa , for example, doubles Apple's one-year warranty and will replace, repair, or reimburse you if your iPhone is lost, damaged, or stolen within 90 days of purchase.
This will take up to five business days from the time your claim is approved, but at least you're not paying for this coverage. I know this should go without saying, but buy a protective case that will save your iPhone from the inevitable bumps and drops that happen in day-to-day life.
There are several pros and cons to consider before you get a case or screen protector for your iPhone. It can be tempting to trade in your iPhone when you're ready to upgrade and get at least a bit of money off the purchase of your new device.
If your phone is in good shape, though, why not keep it in case you need a backup? Having an iPhone on hand that you're familiar with and can easily transfer back to is a major convenience. Plus, when it's time to upgrade again, you can always trade-in your backup iPhone and then keep the more recent device as your new backup.
If you're reluctant to pay money for an insurance policy that you may never use or have a large deductible, why not set the money aside that you might have otherwise spent on that policy? If you have a child you're planning to purchase an iPhone for, consider having them work for at least a portion of the cost.
This could be through chores, a part-time job, or saving birthday and holiday money. This way, their device's value will be much more concrete for them, and they'll be careful not to treat it carelessly or leave it where it can be stolen.
Let them know that if the iPhone is broken or goes missing, you'll be happy to provide a flip phone until they can save up enough money to replace it. First, AppleCare costs are great in terms of monthly payments and deductibles. But also, in case of loss, AppleCare coverage will provide you with a new replacement phone of the same model. The downside is that you have to buy AppleCare plus within 60 days of buying your new iPhone.
If you miss this time frame, you may want to consider other options. Luckily, there are plenty of options perfect for your budget. She's a former Associate Editor for iPhone Life magazine, and has written for the Iowa Source , as well as web content for education marketing. Leanne has an associate's degree in education, with a focus on curriculum development, as well as a bachelor's degree in science.
She has over nine years of experience with SEO, social media management, and web development and writing. Despite years of web work, Leanne is by no means an early adapter; she's only owned a smartphone for five years, which makes her highly sympathetic to the learning curve of new iPhone owners. She enjoys making reader's lives easier and putting her education experience to work by walking them through the most practical ways to use Apple devices, step-by-step.
In off-work hours, Leanne is a mother of two, homesteader, audiobook fanatic, musician, and learning enthusiast.
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