Cell phone insurance, also known as mobile device insurance, is an optional product that you can buy to protect your device from damage, loss or theft. If you are looking to save money on replacing your cell phone or don’t want to pay the full price upfront, then this might be the option for you. However, buying cell phone insurance isn’t always so simple, so here’s what you need to know before buying it and how to go about doing it.
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Why Do I Need Cell Phone Insurance?
Cell phones are expensive. If a replacement or upgrade is on your list of things to buy, then adding cell phone insurance to your monthly plan will help protect your investment. Cell phone accidents happen often. Drops, water damage, broken screens—they’re unavoidable when you carry around a small computer in your pocket that weighs less than a coffee mug. Protecting yourself with cell phone insurance can be as easy as adding another line item to your monthly budget.
Is there an Age Limit?
Cell phone insurance can be expensive. To make sure your mobile device is covered at a reasonable price, make sure you’re under 26 years old. Also, depending on your provider, having an unlocked cell phone will likely save you money on your monthly bill as well. Make sure that your phone is unlocked when purchasing a new one or prior to signing up for a plan with Verizon Wireless in order to ensure coverage when traveling internationally or roaming domestically.
What Types of Phones Are Covered?
According to Verizon, cell phone insurance is only available for smartphones. Coverage includes lost, stolen or damaged phones, including malfunctions that occur due to a manufacturer defect. If you’re looking for coverage on other mobile devices—such as a tablet—you may want to look into extended warranty plans instead. You can contact your carrier directly for more information about what’s covered.
What Exactly is Covered by My Plan?
Do you have a good grasp of what’s covered by your Verizon Wireless cell phone insurance plan? If not, now is as good a time as any to learn about your protection plan. There are three different kinds of coverage offered with most Verizon Wireless plans: First, damage protection helps cover replacement costs if your device is lost or damaged.
Who Should Buy Cell Phone Insurance?
Even if your cell phone is fairly new, there’s a chance that it could become broken or stolen in a short period of time. If that happens, will you have coverage to replace it? Most people assume they’re covered by their carrier’s contract; however, most service contracts only cover damage done within a certain period of time. If your device breaks outside of its warranty period, chances are that you won’t be eligible for replacement.
Can I cancel my coverage if I don’t need it anymore?
Many insurance policies have cancellation clauses that are very specific. If you cancel your policy before your coverage period ends, there is a good chance you will have to pay an early cancellation fee. You should consult with your cell phone carrier’s customer service representatives if you have any questions about whether or not you can cancel your policy during or after your coverage period.
Will My Phone Work with Verizon Wireless?
While Verizon’s network is one of the best in all of North America, its phones aren’t as universal as other brands. Verizon uses CDMA technology (as opposed to GSM) for voice and data, meaning that your unlocked iPhone or Android probably won’t work on its network—and if it does, calls will go straight to voicemail. The same goes for older phones from Sprint or AT&T. Make sure your smartphone is compatible with Verizon before making any purchase decisions.
Can I Get My Cell Phone Fixed at Any Store, or do I Have to Bring It Back to the Store Where I Bought It?
No, no one will fix your cell phone except an authorized dealer. And if they tell you they can do a better job than what’s available, don’t believe them; they’re just hoping to make a sale. Just bring it back where you bought it. But make sure that store is still open; many of those locations have shut down recently.
Does Asurion cover water damage?
Asurion offers a wide range of Verizon cell phone insurance options, including coverage for water damage. You can also purchase supplemental coverage that includes water protection from Asurion or another provider. If you think your phone may have gotten wet, contact Asurion customer service to discuss your case. All claims are investigated on a case-by-case basis.
Will Verizon replace my phone if it has water damage?
If your cell phone has water damage, you can contact a Verizon representative to see if your device is eligible for replacement. Water damage is not covered under Verizon’s insurance plan. You may need to purchase a separate water-damage warranty if you want protection against liquid spills.
Does Asurion cover iPhone back glass?
Asurion does offer coverage for cracked glass on Apple devices, however, it doesn’t cover any cracks from drops. This is to protect you and Asurion from frauds and unnecessary replacements. If your iPhone has a cracked back glass, as long as it’s not due to an accidental drop (and you can show Asurion proof of purchase), they will pay to have it repaired or replaced.
What do you say to claim on phone insurance?
You don’t have to wait to discover if you will get a refund. Before making your claim, be sure to read your insurance policy. The terms and conditions will usually give you a general idea of what is or isn’t covered. However, it is also important that you contact your provider with any questions regarding coverage. If there is any doubt in your mind regarding whether or not an item is covered by your policy, then it probably isn’t worth claiming for.
Does Asurion cover water damage Verizon?
Yes, as long as you have at least 1 bar of coverage in your area. If you do not have coverage, or if you damage your phone outside of their network, you will be responsible for paying for all repairs and replacements on your own. Make sure to get a screen protector when using your cell phone so that there is an extra layer of protection between it and moisture.
How do I make a claim on my Verizon phone?
Contact Verizon as soon as possible if your cell phone is lost, stolen or damaged. You’ll need to provide some details about your phone and its condition. You can do so over the phone or in person at a store location. Your claim may be processed faster if you have all of your information ready to provide upon calling Verizon; you may also be asked to send proof via mail to complete your claim.
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