So tell me, does anyone have insurance on their "rooted" Nexus one? I'm thinking of getting one for mine, but not sure if T-mobile provides it, or is it a good idea to get it from them, if ever. Coz they don't carry the device.
Any suggestions? Thanks in advance!
I have insurance on my Non-Rooted Nexus. You can get it from t-mobile. But i dont believe you can have insurance one you root the nexus one. I believe it voids the warranty. I may be wrong. Heres some info:
Is PHP (Premium Handset Protection) available for this Nexus One?
Yes, PHP is available for the Nexus One.
How much does PHP Insurance cost?
PHP Insurance is $4.79 per month with a $130 deductible.
How long do I have to add PHP to my account?
To qualify for PHP insurance you must add the insurance to your T-Mobile account within the first 14 days of purchase.
Great News! Asurion’s Premium Handset Protection offered through T-Mobile is available on the Nexus One. For $4.79 per month, customers are protected from loss, theft and damage – even screen damage or water damage. There is a $130 deductible per approved claim, much lower than the full retail of $529. Asurion will replace your Nexus One with . . . a Nexus One. As with most buzz-generating, hot new phones, inventory availability can be an occasional problem. Its not that Asurion doesn’t want to replace your Nexus One with a Nexus One, we do! Should there be a brief inventory problem, Asurion will offer a few different options to affected customers.
I have insurance on my ROOTED phone. You can have it. While it is true that rooting voids your warranty this has nothing to do with insurance. So look at it this way. I have a rooted phone and I loose it. I file a claim as loss is covered under the insurance. How on earth are they going to know it was rooted? Make sense.
The other above info is what I was told.
One thing to note. I had insurance on my G1 that was something like $6 / mo when I transfered that to my N1 it went down to the $5 /mo. This is because T-mobile would extend the warranty on the G1 since it was one of their phones. They don't do that on the N1 since it isn't theirs. That is why it is a little cheaper.
As for how it is replaced since T-mobile doesn't have the Nexus. I was told that the insurance company was getting some for replacements. Until then if you had a claim and they didn't have any you would go directly to Google and order a new one. You would be responsible for the full upfront cost of an unsubsidized phone. They then would cut you a check for the phone minus the $130 deductible. Make Sense.
Oh also a point on the 14 days to activate insurance. This is also true however. Lets say you let the 14 days laps. As long as you haven't rooted your phone (that would have voided the warranty) if it is ever replaced by the manufacturer you then have another 14 days to activate the insurance from the point in time you get the replacement. That is how I got insurance on my G1. I forgot to call back in the 14 days and then couldn't get coverage. Then my home button died, T-mobile replaced it under warranty, I then had them activate the insurance. Also if are under insurance and if you have a replacement under warranty I would be sure to call T-mobile. Since that was likely taken care of directly through Google or HTC they may not know. Of course if you had an insurance claim for say water damage that they tried to deny because the SN didn't match what you originally bought you could say "Oh, did I mention that the water damage happened when it fell off the boat in 300' or water?" I must have written that SN down wrong and what you have on record must be right.
Hope that helps....
as a point of interest, state farm charges me $30 a year for insurance on my nexus one, with ZERO deductible..
that's $2.50 a month folks...
and they don't care if it's rooted, or you used it to hold up your car when you changed your oil.
Thank you for the information I'm goin with state farm.Hahaha.
Hmmm... Called Tmobile, they said my Nexus is currently insured... I made them double and triple check it, but they were positive bout this, I guess my insurance from my G1 is automatically transferred to the N1.
I still thank you for the response guys!
i'd cancel it and get a real policy that costs half and doesn't have a deductible... but that's just me..
Red MacGregor said:
as a point of interest, state farm charges me $30 a year for insurance on my nexus one, with ZERO deductible..
that's $2.50 a month folks...
and they don't care if it's rooted, or you used it to hold up your car when you changed your oil.
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Click to collapse
That's good to know and seems like a better way to go!
Oh you were for real? lol I thought you were just kidding, I dont have StateFarm as insurance though. They might not cover it.
Red MacGregor said:
i'd cancel it and get a real policy that costs half and doesn't have a deductible... but that's just me..
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Click to collapse
rjhay22 said:
Oh you were for real? lol I thought you were just kidding, I dont have StateFarm as insurance though. They might not cover it.
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Click to collapse
call whomever you're using, Farmers, whomever, they likely have a similar policy..
T-Mobile is charging a ridiculous premium for that policy
$4.79 a month is not something I miss.
uansari1 said:
$4.79 a month is not something I miss.
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Click to collapse
sure, the difference is only $30 a year... over two years an extra $60 on the price of the phone, unless you include the deductible, and it's an extra $190.. 1/3 of the cost of the original phone..
The original poster should call T-mobile again. As I mentioned in my post that the original insurance that I had on my G1 was more expensive. They may have changed it from the insurance that is something like $7/mo to the one that is about $5 ($4.75 or whatever). I got my phone early on so it is possible they are getting better at automating these things. Everyone was still trying to figure out this new Nexus thing when I got my phone.
I have to call my insurance company anyhow so I am going to ask about phone coverage. I have USAA though not State Farm. Even if they don't offer it I wouldn't switch to State Farm. We are saving $1800 a year and have more coverage and a lower deductible on our house compared to State Farm. My parents are now switching over to USAA. He said they will save $900 a year on their 4 cars/truck.
Related
I spoke with Asurion (T-Mobile's insurance affiliate) and the Nexus One is supported though them, it's $4.79/mo and proof can be found on their website:
http://www.phoneclaim.com/t-mobile-program
They weren't able to answer my question if I would get another N1, and I didn't have a lot of time but I'll inquire tomorrow about it further.
Everybody should still be within 14 days of the purchase and you can still add it to your T-Mobile plan (though keep in mind as CSRs we were originally told it couldn't be used on a nexus so you might have to convince the rep to add it, show them that link any rep can load that URL.)
I would consider skipping asurion and go with SQUARE TRADE warranty service.. flat fee and includes accidental dropping and water damage, reaosnable price.
I covered my HTC HERO this way... They claim to cover all smartphones... but coverage is limited to $400, so then again, not sure the total costs comparison over time. (I will say this: I had used Asurion for 2 differnt t-mobile phones, and surprisingly they were always easy to get replacement phones from; not at all what you normally expect from an insurance co when it's time for a payout.)
but just fyi:
http://www.squaretrade.com/pages/cellphone-landing3
noderat_tmobile said:
I spoke with Asurion (T-Mobile's insurance affiliate) and the Nexus One is supported though them, it's $4.79/mo and proof can be found on their website:
http://www.phoneclaim.com/t-mobile-program
They weren't able to answer my question if I would get another N1, and I didn't have a lot of time but I'll inquire tomorrow about it further.
Everybody should still be within 14 days of the purchase and you can still add it to your T-Mobile plan (though keep in mind as CSRs we were originally told it couldn't be used on a nexus so you might have to convince the rep to add it, show them that link any rep can load that URL.)
Click to expand...
Click to collapse
I spoke to a Tmo rep this past weekend who assured me the Nexus One can be added to an existing policy, but cannot be added (by Tmo) if you don't already have one. He said he spoke to Asurion personally, and spoke to his managers.
I just got off the phone with T-mobile and they were able to add insurance for my Nexus One for 5.99 and will replace it with another Nexus One for 130.
I got insurance
If you have a decent bank account in the UK, you get free mobile phone insurance. I insured mine with Lloyds bank today.
Change your insurance to the $4.79 option, the $5.99 includes T-Mobile's warranty program which is not covered (but it will cover any other T-Mobile phone you have used before!)
Just called T-Mobile and the CSR transferred my G1 insurance to the Nexus One (Cheaper by ~$1 a month).
What exactly does this warranty cover....
Glass break?
Theft?
Water damage?
quicksite said:
I would consider skipping asurion and go with SQUARE TRADE warranty service.. flat fee and includes accidental dropping and water damage, reaosnable price.
I covered my HTC HERO this way... They claim to cover all smartphones... but coverage is limited to $400, so then again, not sure the total costs comparison over time. (I will say this: I had used Asurion for 2 differnt t-mobile phones, and surprisingly they were always easy to get replacement phones from; not at all what you normally expect from an insurance co when it's time for a payout.)
but just fyi:
http://www.squaretrade.com/pages/cellphone-landing3
Click to expand...
Click to collapse
+1 on squaretrade, their warranty is much better, and they process claims really fast.
Squaretrade doesn't cover loss or theft. Asurion covers pretty much anything but acts of war as long as the nexus is the last device used on your sim card.
I just confirmed that my nexus one is covered by asuripn which is pretty sweet.
I called and got mine switched from the $5.99 plan to the $4.79 plan.
It was funny the rep on the phone mentioned the 14 day period to get the insurance then asked me when I got the phone to see if I could get the insurance.
Me: "It's only been out a week."
Her: *awkward silence*
I pay jus $30 a year with state farm in the u.s. to have mine insured
xManMythLegend said:
What exactly does this warranty cover....
Glass break?
Theft?
Water damage?
Click to expand...
Click to collapse
Yes, yes and yes. Asuiron is awesome. Squaretrade is a complete ripoff. Good luck if you lose your device. And between what you pay for the deductible ($50), the difference in price between what you get ($399 max) and the cost of the device ($530) and the cost of the warranty, you are better off not getting any coverage.
Remember, Asurion offers INSURANCE and Squretrade offers a WARRANTY. You have a 1-year warranty with HTC anyway. Asurion will cover it no matter what. They had a G1 in my hands in less than 48 hours. I put it a claim at 6PM on a Monday, they confirmed it on Tuesday and I had the phone Wednesday morning. There is a $130 deductible and $4.79/month but I must say that the first few days without insurance was nerve-racking. For less than $5/month I pretty much don't care what happens to my phone now. It is worth every penny.
Just an update to all of this.
Firstly, thanks very much to AndroidAppCritic for all the help!!!!
Secondly, i finally got my Nexus One. Went to my local T-Mo store this afternoon, told them what plan i wanted (Even More Plus 500) and after the entire store ooooohhh and aaaahhhhh over the Nexus, the sales girl asked if I wanted the $4.79 or $5.99mo coverage for the phone. I was shocked and told her what a fiasco it had been for users earlier in the week.
anyway, thanks again to everyone and off I go into "happy land"
I called Tmobile today.... had my handset insured in like 5 minutes total. There was really no confusion from the phone rep.
Thanks for everyones advise and input above!
usmc2k said:
I pay jus $30 a year with state farm in the u.s. to have mine insured
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Click to collapse
Does this cover theft & drop/break?
Just spoke with asurion and they told me it covers lost stolen or phyically damaged with a 130 deductible
Just called T-mobile to add the $4.79 coverage. Easy breezy.
does getting insurance make sense?
and if so, verizons $8/month-$89 deductible, or square trades $6/month-$50 deductible?
on paper it looks like no reason not to go square trade, but if there are caveats any of you know about, please let me know.
Thanks.
k.electron said:
does getting insurance make sense?
and if so, verizons $8/month-$89 deductible, or square trades $6/month-$50 deductible?
on paper it looks like no reason not to go square trade, but if there are caveats any of you know about, please let me know.
Thanks.
Click to expand...
Click to collapse
Go for it... I wound up using it twice in a month and they sent me a brand new phone both times with NO hassle at all.
Of course they canceled me after the second replacement (per the agreement - 2 replacements a year).
bishop,
Is that two replacements per year per phone or per account?
We have three phones on our account.
you can use 'lovemom' coupon code
Code:
Mother's Day Sale! -$28.80
bishop0114 said:
Go for it... I wound up using it twice in a month and they sent me a brand new phone both times with NO hassle at all.
Of course they canceled me after the second replacement (per the agreement - 2 replacements a year).
Click to expand...
Click to collapse
so 4 replacements over the course of the warranty not exceeding 2 every year.
sounds like a good deal.
what is the 30 day exclusion thing that i read on the squaretrade faq page
"Exclusions: There is a 30-day exclusion window after you first purchase your item."
what does that mean?
opcode1300 said:
you can use 'lovemom' coupon code
Code:
Mother's Day Sale! -$28.80
Click to expand...
Click to collapse
nice thanks, i also found another one
THIRTY30 for 30% or 30 whichever is lower.
The 30 day exclusion means you can not submit a claim until 30 days after you purchase the warranty. I bought a titan on eBay and got the square trade warranty. Within a month the keyboard starting getting flaky, and then quit working altogether. I just used another phone until the 31st day.
It looks like square trade makes you pay the entire 2 year fee upfront. Is that correct? I notice on the iPhone plan, you can pay monthly.
I have never purchased the insurance for my cell phones, and never had occasion to wish I had. With the money I've saved on three lines through the years I could buy two Incredibles at retail.
Ed Zachary said:
bishop,
Is that two replacements per year per phone or per account?
We have three phones on our account.
Click to expand...
Click to collapse
I have to assume it is per phone. I had the TP2 replaced twice. I just ordered the Incredible and they started my insurance again.
spotmark said:
I have never purchased the insurance for my cell phones, and never had occasion to wish I had. With the money I've saved on three lines through the years I could buy two Incredibles at retail.
Click to expand...
Click to collapse
yes ive never destroyed a phone either, so all the insurance i saved in the past is good. but insurance protects against future unforeseens and not what did not happen in the past. that is why we have car insurance, even though most people dont have accidents, and health insurance.
bishop0114 said:
I have to assume it is per phone. I had the TP2 replaced twice. I just ordered the Incredible and they started my insurance again.
Click to expand...
Click to collapse
I had a similar scenario with my secondary line and VZW re-instated my insurance when I bought a new phone then dropped me a month later. They refunded me but stated that Asurion would not accept my policy due to the fact that I had to be "dropped" for 12mo.
I just read the fine print. I'm sticking with VZW's insurance because they cover loss. Square Trade says "Please note that SquareTrade does not cover loss" which doesn't work for me. I've lost a phone fishing, I've had a phone stolen, and I dropped a phone in a sewer once. I need phone replacement after losing it
hexto said:
I just read the fine print. I'm sticking with VZW's insurance because they cover loss. Square Trade says "Please note that SquareTrade does not cover loss" which doesn't work for me. I've lost a phone fishing, I've had a phone stolen, and I dropped a phone in a sewer once. I need phone replacement after losing it
Click to expand...
Click to collapse
that is a good use case for verizon. here is the breakdown now that i understand it fully
Verizon(Asurion)
Cost: $192 for 2 years (pro-rated every month)
Cancellation: whenever
Deductible: $89
Coverage: Defect, Damage and total loss.
Exclusions: Nothing really.
vs.
SquareTrade
Cost: $144 for 2 years (-$40 with 'lovemom' code) pay upfront
Cancellation: whenever with remaining charge refunded.
Deductible: $50
Coverage: Defect and Damage
Exclusions: first 30 days.
If you want to save a lot of money, will not destroy it in the first 30 days (wait until after to submit a claim), and are not going to lose it, then SquareTrade wins hands down.
Mostly people who are afraid of losing their phone need Asurion.
Thanks for the breakdown, saved me having to read through Squaretrade's policy. I just picked up two DI's, and one is for my wife, who can lose anything. Looks like ST is out.
i just add my phone as a rider on my renter's insurance...
i have a lot of things itemized already, and it's a $0 deductible, and probably bumps my premium (for a $530 phone) by about $5/year...
Had good result with Asurion
I had to replace my i910 some how it stopped working. (another story)
Walked out with a Omnia O2
I may save a few bucks with Square Trade but VZW and Asurion stepped up to the plate. Insurance is protection against unplanned catastrophic loss. (I'm a Flashaholic)
How much is peace of mind worth ???
Go for the Asurion....
PS Incredible in my future !!!!
I still think 90 bucks is steep for a deductable, not to mention that is in addition to the 8 bucks/month, 96/year... I'd rather pay an extra 70 bucks to reduce the 2 year to 1 year contract renewal, and take my chances that for 10 months the phone will be OK. Then have the option to keep going or upgrade to something new. Not to mention, you are already covered under warranty for 1 year so essentially all your paying for is accidental damage/loss (which i agree is a lot but so is the deductable and monthly charge)
kdkinc said:
I had to replace my i910 some how it stopped working. (another story)
Walked out with a Omnia O2
I may save a few bucks with Square Trade but VZW and Asurion stepped up to the plate. Insurance is protection against unplanned catastrophic loss. (I'm a Flashaholic)
How much is peace of mind worth ???
Go for the Asurion....
PS Incredible in my future !!!!
Click to expand...
Click to collapse
kdkinc said:
I had to replace my i910 some how it stopped working. (another story)
Walked out with a Omnia O2
I may save a few bucks with Square Trade but VZW and Asurion stepped up to the plate. Insurance is protection against unplanned catastrophic loss. (I'm a Flashaholic)
How much is peace of mind worth ???
Go for the Asurion....
PS Incredible in my future !!!!
Click to expand...
Click to collapse
by flashaholic I suppose u mean u constantly flash the rom, which can brick your phone. that is not explicitly but covered with square trade if u dont tell them u willingly bricked the phone. ST simply doesnt cover losing the phone, like for example ejecting it into space with terminal velocity, or theft. if ur phone bricks, just send it in and receive a brand new one.
unless u lose your phone for good, or are stolen, ST ftw. read good reviews about them too, i dont feel like paying asurion so much more just to cover a corner case of theft.
I use the insurance that comes with the phone. Company pays for it. Paying full pop because a phone is lost/broken or stolen is not fun.
Can someone explain the difference between Sprint's ERP, ESRP, and TEP?
I called and asked Sprint, but I think we both got confused. From what I gather:
ERP (Equipment Replacement Program) - $4.00/mnth covers pretty much everything with a 100.00 deductible on smartphones.
ESRP (Equipment Service Replacement Program) - $4.00/mnth covers basically what ERP does?
TEP (Total Equipment Protection) - $7.00/mnth covers ERP and ESRP
What do you recommend? I'm leaning towards ERP (4.00), we currently don't have insurance on our iphones (att doesn't provide it), but would like it. Just don't want to spend 7.00 each line for no good reason.
Also there is Squaretrade for $144.00 for 2 years or $6.00mnth (probably less with coupons).
jeffla said:
Can someone explain the difference between Sprint's ERP, ESRP, and TEP?
I called and asked Sprint, but I think we both got confused. From what I gather:
ERP (Equipment Replacement Program) - $4.00/mnth covers pretty much everything with a 100.00 deductible on smartphones.
ESRP (Equipment Service Replacement Program) - $4.00/mnth covers basically what ERP does?
TEP (Total Equipment Protection) - $7.00/mnth covers ERP and ESRP
What do you recommend? I'm leaning towards ERP (4.00), we currently don't have insurance on our iphones (att doesn't provide it), but would like it. Just don't want to spend 7.00 each line for no good reason.
Click to expand...
Click to collapse
Get it belive me you will need it when you loose your phone belive meee
daniel0260 said:
Get it belive me you will need it when you loose your phone belive meee
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Click to collapse
I pay $7 a month for TEP and I love it, peace of mind, especially with a pricey device like the evo
mrono said:
I pay $7 a month for TEP and I love it, peace of mind, especially with a pricey device like the evo
Click to expand...
Click to collapse
Why TEP and not just ERP? What advantage does TEP have over ERP?
jeffla said:
Why TEP and not just ERP? What advantage does TEP have over ERP?
Click to expand...
Click to collapse
TEP covers pretty much everything. Notably, loss, theft and H20 damage. The other two plans are not as inclusive.
Equipment Replacement Program:
Insurance coverage for lost, stolen or physically damaged devices.
$50 non-refundable deductible applies per approved replacement
For full terms and conditions, see the Coverage Certificate
Equipment Service and Repair Program:
Provides coverage for mechanical or electrical failure, routine maintenance or failure from normal wear and tear.
No additional out-of-pocket charges to repair or replace your malfunctioning device
Over 1,800 Sprint Phone Repair Centers available to repair or replace your device. Visit www.sprint.com/storelocator for the nearest location.
For full terms and conditions, see the Service Contract
TEP is both of those put together, for $1 less a month than paying for both separately. (If you want to go read the full T+C, google "sprint insurance" and it will be first or second listed )
Bp3dots said:
TEP covers pretty much everything. Notably, loss, theft and H20 damage. The other two plans are not as inclusive.
Equipment Replacement Program:
Insurance coverage for lost, stolen or physically damaged devices.
$50 non-refundable deductible applies per approved replacement
For full terms and conditions, see the Coverage Certificate
Equipment Service and Repair Program:
Provides coverage for mechanical or electrical failure, routine maintenance or failure from normal wear and tear.
No additional out-of-pocket charges to repair or replace your malfunctioning device
Over 1,800 Sprint Phone Repair Centers available to repair or replace your device. Visit www.sprint.com/storelocator for the nearest location.
For full terms and conditions, see the Service Contract
TEP is both of those put together, for $1 less a month than paying for both separately. (If you want to go read the full T+C, google "sprint insurance" and it will be first or second listed )
Click to expand...
Click to collapse
I finally understand. Thanks, now it's time to decide what level of risk I want to take. ERP has a deductible, and ESRP does not basically. I think since we don't have insurance on our iphones and all has been well for almost 2 years, I think the ERP will be just fine.
They all have deductibles right? I am thinking of the Best Buy plan at 10$ a month since it has hardcore coverage and no deductibles.
setite said:
They all have deductibles right? I am thinking of the Best Buy plan at 10$ a month since it has hardcore coverage and no deductibles.
Click to expand...
Click to collapse
If you have sprint's ESRP then no (I think), but if you have ERP then yes, 50-100.00. If you have TEP, then yes if you damaged your phone/lost it... but no if it just stopped working.
Well that's what I think this all means. Sprint really needs to simply its insurance plans. Maybe just offer 1, not 3 plans.
if you bring a phone in and you have TEP or ESRP, and it is not lost or stolen or you ran it over with your car (i.e. normal wear and tear), then you don't pay a deductible. even if you have TEP, the deductible only applies if it falls into the category covered by ERP.
I think that Sprint insurance is b.s ..I have tep pay $7 and just bought my hero on march beatbuy offered the $6 a month if they can't fix it ,they give u a new device.my hero went bad last Wednesday thursday I took it to sprint repair center they couldn't fix it.so I get a refurbished right away when they handed to me I noticed power button don't work,they ordered another refurbished for sat,so another 8 miles of driving to pick it up and its another refurbished that is all scuffed up audio jack is messed up .so if I just bought my hero 2 months ago why did I kept ok getting refurbished devices they said its policy.well after calling like 20 times customer service speaking with reps,managers,supervisors I got a brand new hero, when I could of just bought the best buy insurance..with evo am getting the best buy insurance
jocampo86 said:
I think that Sprint insurance is b.s ..I have tep pay $7 and just bought my hero on march beatbuy offered the $6 a month if they can't fix it ,they give u a new device.my hero went bad last Wednesday thursday I took it to sprint repair center they couldn't fix it.so I get a refurbished right away when they handed to me I noticed power button don't work,they ordered another refurbished for sat,so another 8 miles of driving to pick it up and its another refurbished that is all scuffed up audio jack is messed up .so if I just bought my hero 2 months ago why did I kept ok getting refurbished devices they said its policy.well after calling like 20 times customer service speaking with reps,managers,supervisors I got a brand new hero, when I could of just bought the best buy insurance..with evo am getting the best buy insurance
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Click to collapse
Thank you for posting this experience. This is what I hate about the warranty on my Amazon Kindle. I had a Kindle that died in 11th month. They sent me a refurb that looked good, but died in the 100th day . I have another refurb that I hope doesn't die right after the warranty. The worst for Kindle is that the refurbs have 3 month warranties instead of 12 months. I guess I will pay the extra 3$ for the BB insurance then.
Isurance with upgrade
I know when you sign a 2 year contract you have to say if your want an insurance plan or not. Well I have one on my Hero and want to buy an EVO full out. Will I still have insurance on my EVO?
yes, once you have insurance on your account, any phone you add to the account then gets covered. even if you bought a use POS phone off ebay and added it to your account, it would be covered. there is a 2wk period after adding a phone where it can't be used.
so with TEP is there a deductible? I am confused... sorry..
I want to ask a question about the insurance company that works with sprint. Anybody that knows them well plz PM me. Its not a question I want to ask out in public...
joey3002 said:
so with TEP is there a deductible? I am confused... sorry..
Click to expand...
Click to collapse
If you have TEP, you only pay a deductable while filing a claim under the ERP portion. The ESRP portion has no deductable. So basicaly you will pay 50-100.00 if you break you phone, get water damage, lost or it was stolen.(ERP coverage) If it stops working throught no fault of your own, then there is no deductable. (ESRP) Buy both ERP & ESRP = TEP
I know, I know, their insurance options are confusing. If we decide to get the Evo, we will get the ERP insurance for $4.00mnth
So why not just go with ERP and no matter what happens, "I lost my phone"
seems pretty easy.. I was thinking of TEP but honestly, Ill pay the 50.00 for deductible..
Something seems off.. why would anyone want anything higher than ERP?
joey3002 said:
So why not just go with ERP and no matter what happens, "I lost my phone"
seems pretty easy.. I was thinking of TEP but honestly, Ill pay the 50.00 for deductible..
Something seems off.. why would anyone want anything higher than ERP?
Click to expand...
Click to collapse
I agree. But, with ESRP or TEP, you would pay 0 if your phone died from no fault of your own. But if you only had ERP and your phone died because of no fault of your own, you could say lost it, but you'd have to pay 50-100.00 dollars. So like all insurance, it comes down to the amount of risk your willing to assume. For example, I have 500.00 deductables on our cars, but someone else might think 250.00 is better. When I was 20, I had 1000.00 deductables.
If we switch to sprint, we'll get ERP. In the last 3 years with our iPhones, we have never needed insurance. So paying $7.00 dollars a month for TEP seems like too much, ERP for 4.00 is fine. I'm willing to pay 50-100.00 IF I ever need it.
is good if u dont mind going thru the hassle of them not having ur replacement at the repair center,or if u dont mind making a couple of trips if the refurbished phone u get is not a 100% hardware condition,,i made like 4 trips to the repair center and i just bought my hero on march my phone went bad and i got a replacement(refurbished) that power button didnt work and than another one 3 days later that was all scuffed up with paint chipping and 2345 calls mnftcre on 10\12\10 and paying $7 after 4 years .when best buy offered me a $6 equipment protection and if they cant fix it u get a brand new device...so i think is bs.,when i get my evo i will get the bestbuy insurance ...
sorry 10\12\2009
jocampo86 said:
is good if u dont mind going thru the hassle of them not having ur replacement at the repair center,or if u dont mind making a couple of trips if the refurbished phone u get is not a 100% hardware condition,,i made like 4 trips to the repair center and i just bought my hero on march my phone went bad and i got a replacement(refurbished) that power button didnt work and than another one 3 days later that was all scuffed up with paint chipping and 2345 calls mnftcre on 10\12\10 and paying $7 after 4 years .when best buy offered me a $6 equipment protection and if they cant fix it u get a brand new device...so i think is bs.,when i get my evo i will get the bestbuy insurance ...
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I found out last week that most if not all forms of home owners insurance and renters insurance will allow you to separately insure personal items for a nominal fee. This has no deductible, covers full amount of item, and they usually just need serial number.
My wife's hero and my evo are now insured for $50 a year under renters insurance. My friend insured 2 evo's and a hero for $15 for a year under his home owners insurance. Plus neither have a deductible for personal item insurance. Just the yearly payment.
Good info. Curious, dDoes this cover malfunctions, accidental damage, and theft? Who is your insurer?
theres an insurance company around here called state farm (they do auto insurance I believe) and they sell personal item insurance for $30/year and it covers just about any smartphone. You don't have to have any other kind of insurance with them. You pay $30 bucks and they write you a check for how much it costs if you need it replaced, but they cancel you for a year after 1 claim.
itmustbejj said:
but they cancel you for a year after 1 claim.
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i'm assuming they just cancel the device insurance, and not everything lol.
itmustbejj said:
theres an insurance company around here called state farm (they do auto insurance I believe) and they sell personal item insurance for $30/year and it covers just about any smartphone. You don't have to have any other kind of insurance with them. You pay $30 bucks and they write you a check for how much it costs if you need it replaced, but they cancel you for a year after 1 claim.
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That is the company my wife and I used for our renters insurance so we rolled it up under that.
I would imagine they look pretty closely at these claims to make sure people aren't taking advantage. But as far as I know they will cover just about anything that happens to it.
itmustbejj said:
theres an insurance company around here called state farm (they do auto insurance I believe) and they sell personal item insurance for $30/year and it covers just about any smartphone. You don't have to have any other kind of insurance with them. You pay $30 bucks and they write you a check for how much it costs if you need it replaced, but they cancel you for a year after 1 claim.
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Wow, that sounds amazing! What does it cover (loss, theft, water damage, etc) and are you positive that you don't have to have any other type of insurance with them?
jasonleb1 said:
Wow, that sounds amazing! What does it cover (loss, theft, water damage, etc) and are you positive that you don't have to have any other type of insurance with them?
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Ok I guess you do have to have some kind of insurance through them. I found this:
State Farm DOES in fact insure cell phones, they do it through their "Personal Articles Policy". Their are two requirements to get it. One, that the phone has to be worth over $500 (which is why they will say they don't insure cell phones because most aren't worth that much including the IPHONE) but the Nexus One is worth over $500. Two, you HAVE to have some type of policy with them already.
If you don't you have a policy with them, you can get some type of home/renters insurance which is crazy cheap (and your an idiot if you don't have something like that in place already). I actually signed up for renters insurance which was $15/month (cheaper than what I was paying) which allowed me to get the phone covered with the Personal Articles Policy.
It's $34/year with No Deductible. It covers everything except software problems. So theft, damage, you get pissed and decide to throw it in a river, etc. gets
covered.
Edit: Theres another guy that said on 4/22/10 that he had the state farm item insurance for his phone with no other insurance
I'll stick with squaretrade.
rutter9 said:
I'll stick with squaretrade.
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Never heard of them. Do they do personal article insurance.
itmustbejj,
Their policy actually states $500? I wonder if they will allow cheaper devices if you have other forms of insurance through them as I'm insuring my Evo and it is $440. Or maybe my wife figured out how to work the system...
Sadly, my State Farm agent sent me this email today in response to my request to apply this to our account. We spoke yesterday and she thought it wouldn't be a problem, but just had to call for a quote...
State Farm no longer writes a Personal Articles Policy for coverage for cell phones and hand held devices. My underwriters informed me that the losses were too great, that State Farm decided to do away with the risk for the company. Thank you for your interest and if anything changes on that I would be delighted to inform you.
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So they stopped in the 3 days since the first post? That sucks. I'm sure you can call around and ask any of the major insurance companies that offer renters/home owners insurance.
JustinChase said:
Sadly, my State Farm agent sent me this email today in response to my request to apply this to our account. We spoke yesterday and she thought it wouldn't be a problem, but just had to call for a quote...
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If that's the case then State Farm better give me back my money check! I haven't received anything like this yet but will update if I do.
i had this for my new laptop.
I spill a cup of water on the keyboard and fried it.
The insurance pick up the tab and replaced it.
Got a check. Cost to much to repair vs. replace it.
Hello all
I have three days left to decide if I want to add insurance to my Evo. I am debating whether or not it is actually worth it.
I am not concerned with damaging the phone myself. I have had 8+ smart phones, and I haven't lost / broken / soaked any of them. The only reason I would be considering the insurance is for hardware defects. Based on experiences with my friends' Evo's, the two main things I am concerned about are
a) a future loose / malfunctioning charger port
b) blown earpiece speaker
For these two things, I am guessing that the 1-year warranty will cover them, correct? If so, how does that process work? Do I have to deal with HTC directly, or can I get all my exchanges, repairs, etc. handled at a Sprint store?
Thanks in advance.
I would just do it personally, just for piece of mind... Its not like its a crazy amount of money. You know how Sprint can get sometimes, what if your phone gets messed up and then they start giving you the run around? I would do it but to each his own, best of luck in whatever you choose to do.
oreoOozZz said:
I would just do it personally, just for piece of mind... Its not like its a crazy amount of money.
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...and thats how they reel u in. I did the insurance thing with my Touch Pro until I realized how big of a waste it was (thought it was only $50 deduct). I've never had an opportunity to use insurance and look at all those months of $7 I would have wasted. You'll be able to get NIB Evos off eBay for around $300 before too long.
Sent from my Evo...
awenthol said:
...and thats how they reel u in. I did the insurance thing with my Touch Pro until I realized how big of a waste it was (thought it was only $50 deduct). I've never had an opportunity to use insurance and look at all those months of $7 I would have wasted. You'll be able to get NIB Evos off eBay for around $300 before too long.
Sent from my Evo...
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300-100=200 / 7 = 29 months of insurance. I would go for the insurance for two years or until I'm eligible for another phone.
Why was I able to replace my g1 three times with no insurance?
Well because htc includes one year warranty. So when ever I had a defect or the phone does not turn on tmibile just makes sure no water damage and I get my replacement.
Does the evo not have the same warranty from htc?
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my wife and I don't carry insurance on our evo's. its a gamble that I'm willing to take.I'm covered within the first year warantee and after that, the phone is old to me anyways...her charger port came loose and we took it to a service center and they replaced it with a new phone. They said the charger port was a known issue and sprint honored the replacement. worse case scenario,i would've went directly through htc
So as long as you don't dip your phone in the toilet or run it over with your car, no need for insurance.
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Ohhhh. And if they give me a hard time about any exchange I'll just call and make a corporate complaint.
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Thanks for your input everyone.
I think I'm going to be dropping the insurance. I think that because my bill us over $69.99/month, I am eligible for an upgrade every 12 months, which will coincide nicely with the 1 year manufacturer warranty...
I'm somewhat new to Sprint, but I've noticed that with my other phones on my plan when there is a problem they always jump to insurance over warranty.
I've had 2* Samsung Moments have their USB ports go bad. First time they used warranty, second time they wanted me to use Insurance, but got the phone support to use warranty.
Another samsung moment the screen was shutting off on its own and they said there was something wrong with the ribbon on the inside of the phone and said it was physical damage and to use insurance to replace. How can it be physical damage on the inside?????
Every time they said to use insurance was in store, over the phone they use warranty.
Does anybody here have Best Buy insurance on their phone? I have it and was wondering if it as great as i here. They tell me if the phone breaks for any reason they replace it no question.
david279 said:
Does anybody here have Best Buy insurance on their phone? I have it and was wondering if it as great as i here. They tell me if the phone breaks for any reason they replace it no question.
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Best Buy would lie to its momma to sell her black tie insurance. I bought it for a game system several years ago and found out the hard way that they do ask questions. I got it replaced but it took a few hours for my blood pressure to come back down..
nebenezer said:
Best Buy would lie to its momma to sell her black tie insurance. I bought it for a game system several years ago and found out the hard way that they do ask questions. I got it replaced but it took a few hours for my blood pressure to come back down..
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Um figured something like that.
david279 said:
Um figured something like that.
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lol, ymmv
this was almost 9 years ago. I was a much bigger jerk back then so I'm sure my demeanor was a factor in the exchange..
Most people will complain about Bestbuys phone insurance, but I prefer it. I had the Hero, got it wet, it died, and they sent it out to be repaired. After a month (yes, took forever, but I did have a loaner from bestbuy during the time) they said it couldn't be fixed. Got store credit for the cost (retail, so $599.99 + tax), to get another Hero. I just got the Evo instead. They had no problem with it, since I was buying without upgrade or anything.
If it had been sprint they would have tossed me to asurion, and I would have paid $100...and still had the Hero.
as it stands, right now any warranty issues can be handled by Sprints S&R centers with or without Sprints ESRP or TEP plans. heard through the grapevine though that come October, customers that dont have ESPR or TEP will have to go through the Manufacturer for warranty, which the Manuf. wants you to ship the phone to them, they will determine if its covered or not, then send the phone back either fixed, replaced or the way you send it to them.
I keep the insurance on it. When I got my Tour last year, there was a glitch in the system for a couple of days. I got the $7TEP for $3 on both my and my wife's phone. =)
nxtech3 said:
as it stands, right now any warranty issues can be handled by Sprints S&R centers with or without Sprints ESRP or TEP plans. heard through the grapevine though that come October, customers that dont have ESPR or TEP will have to go through the Manufacturer for warranty, which the Manuf. wants you to ship the phone to them, they will determine if its covered or not, then send the phone back either fixed, replaced or the way you send it to them.
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Warranty goes through manu, not Sprint or any agent, don't know where you heard that from.
I don't know what makes anybody think they are entitled to a "new" phone and not refurb after months of wear/tear and something happening to the phone. Nothing on this planet lasts forever and phones are not meant to last more than a year (haven't you figured that out already by the ONE YEAR MANUFACTURERS warranty?)
Just like any other insurance on the planet, anytime you make a claim you must pay a deductible, car insurance, health insurance, phone insurance, ANY insurance. If you don't pay a deductible I guarantee you, you are paying more monthly than the insurance that does have a deductible. Now, it all comes down to how much of a gamble you want to pay. $7 a month + $100/$50 deductible through Sprint which in worst case scenario (11 months) you ended up paying $177/$127 but covers lost/stolen, physical damage, water damage, etc. Or $10 a month which after 11 months is $111 but doesn't cover lost/stolen and water damage in which case, you're now screwed. Me personally? I don't use insurance, I take good care of my ****
DirtyShroomz said:
Warranty goes through manu, not Sprint or any agent, don't know where you heard that from.
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Sprint has covered any and all warrenty claims I have thrown to them at no extra cost. The shipping label says Sprint, not HTC.
We charge the manufacturer whenever we do service or replacement through warranty at our store so both of you win lol
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