Insurance for SGS2's in the U.S. - Galaxy S II General

So I've been looking around for insurance for my SGS2. All the UK/EU insurers won't touch a phone being used primarily in the U.S. Somebody said SquareTrade doesn't insure grey market phones. Here's what I found in their T&C:
- If your item is used, or doesn't have a US manufacturer's warranty of at least 90 days ("Other"), then the Service Agreement begins on the 61st day after item purchase and lasts for the number of years of coverage you specify at purchase time.
- If the manufacturer refuses to honor their warranty because they consider your item grey market or not purchased from an authorized retailer, we will still cover you.
So it seems for ADH and mechanical defects they'll cover the phone up to $600 with a $50 deductible for two years. They don't cover loss or theft. Here are the complete T&C.
https://www.squaretrade.com/merchant/learn/summaryPopup.html
The price is $124 plus tax. But use "JULY04" as a coupon code and it drops to $94. I'd rather have something that covered loss or theft too but it doesn't seem like a bad deal for the peace of mind.

I'm waiting on a reply from ensquared.com, but their's is more comprehensive and up to $1000. I'll post back tomorrow with the reply.

Good find but this is in their terms and conditions as excluded:
Covered Products not readily available in the United States through Communication Service Providers (overseas unlocked phones).

just use your home insurance or rental insurance to cover it.. extra $20 for me

BarryH_GEG said:
Good find but this is in their terms and conditions as excluded:
Covered Products not readily available in the United States through Communication Service Providers (overseas unlocked phones).
Click to expand...
Click to collapse
Ugh..good catch

Related

Squaretrade Nexus One policy!

Squaretrade now offers a 24-month $599 coverage policy for the Nexus One, Droid, and other expensive phones. It includes accidental damage. Cost is $144+tax. I paid about $109 using a 20% off coupon (NEWYEAR).
This is much better coverage than Asurion / T-Mobile offers, and with the discount it's priced about the same. (Slightly cheaper.)
I wish it could be purchased without the extended warranty, since my credit card offers that for free, but I feel a lot better with accidental damage coverage!
Note: I do not have any prior experience dealing with this company.
Thank you for contacting SquareTrade.
We appreciate your interest in SquareTrade Care Plan.
Yes, we do provide a warranty for the new Nexus One from Google.
We provide coverage for brand new Premium Smart Phones such as the Nexus One purchased from retailer/e-tailer up to $599, regardless if it were purchased up front or on a contract (regardless of the price), for $144.
Additionally, for retail bought items you have 90 days following the item purchase date to get a SquareTrade warranty.
Below given are our coverage details for a new cell phone purchased from a retailer:
Our standard warranty covers mechanical and electrical failures that occur during normal use. You get 100% Parts & Labor coverage with zero deductibles.
Accidental Damage from Handling (ADH) is also included in cell phone plan.
ADH covers eligible items from liquid spills, drops, or any other accidental damage from handling ($50 deductible from coverage limit applies to ADH claims).
However, any repairs for any electronic or mechanical issues due to normal wear and tear would not be subject to any deductibles.
For more information, please visit the Learn More section of our website at http://www.squaretrade.com/pages/learn-more-warranty-buyer.
Furthermore, on new items, our coverage starts from the date of item purchase. If you purchased your item as new, some part of this period will overlap with the manufacturer's warranty that comes with your item. Most new items we cover come with a one year manufacturer's warranty.
ADH coverage starts 30 days after date of item purchase, and does not cover pre-existing conditions, willful damage, negligent use, software, theft or loss.
If you have a problem with a covered item while the manufacturer's warranty is still in effect, we will refer you to them so they can resolve the problem with your item. If you need assistance, we will provide any contact information we have for the manufacturer, as well as advice on how to file a claim with them. Using your manufacturer's warranty first allows you to save the value of your SquareTrade warranty for a future failure.
Moreover, you would be able to purchase this warranty and view any additional coverage details using the following link:
http://www.squaretrade.com/pages/cellphone-landing3
Hope that answers your question! If not, go here to view the contract summary. You can also reply to this email or call 1-877-WARRANTY (1-877-927-7268) US & Canada only, 24/7.
Click to expand...
Click to collapse
i've heard good things about square trade.
If the NEWYEAR code expires, try TWTYOFF. That was a code they gave me after checkout.
Bicster_ said:
Squaretrade now offers a 24-month $599 coverage policy for the Nexus One, Droid, and other expensive phones. It includes accidental damage. Cost is $144+tax. I paid about $109 using a 20% off coupon (NEWYEAR).
This is much better coverage than Asurion / T-Mobile offers, and with the discount it's priced about the same. (Slightly cheaper.)
I wish it could be purchased without the extended warranty, since my credit card offers that for free, but I feel a lot better with accidental damage coverage!
Note: I do not have any prior experience dealing with this company.
Click to expand...
Click to collapse
Where do you see that Asurion does not cover accidental damage? They clearly state coverage for loss, theft, and damage (even water damage). Where does that exclude accidental damage?
Is SquareTrade's coverage tied to a specific phone? One of the reasons I liked Asurion is that it covers whatever phone I'm using at the moment. So for now it would cover my N1, but when I upgrade in 6-9 months (I wish)...it'll automatically cover the new phone.
Just checking out the coverage at SQ.. note the bold...
"Assumes coverage is purchased for 24 consecutive months. Please note that SquareTrade does not cover loss. Terms and conditions of other providers’ warranty/insurance plans may vary, please refer to each providers terms for details on their coverage. Prices are accurate as of 12/1/2009. Copyright SquareTrade 2010. All brands or products are trademarks or registered trademarks of their respective holders."
and...
"No Coverage from Loss: There is no coverage against lost or stolen phones. You can always cancel your warranty and receive a refund if that happens."
No offense, and I'm not trying to start anything, but I'm glad I went with Asurion..
Yeah that's definitely a requirement for me. Half the reason I'm getting insurance for my N1 is for theft/loss.
I've never lost a phone, so I can take my chances there.
My problem with Asurion is that the way I read their contract, they can replace your phone with anything they want to... Any phone of any value. Perhaps they don't do that, but it's what I saw in the contract.
Basically all insurance plans are heavily biased toward the insurer. At the end of the day you decide what perils you want insured and whether it's worthwhile. There are reasons for going either way.

Galaxy s2 warranty for USA users

There has been a lot of discussion about warranty for galaxy s2 for users in USA.
I have found some definite answers. Summary is : none of them will get warranty in usa but needs to be shipped to UK/Europe.
I was planning to buy one handset but holding back due to the lack of warranty.
However if someone has got other info please add it here
1. Handtech : I sent a mail and this is the reply that i got.
If you needed to claim on the warranty for the Galaxy II then it would more than likely have to come back to us I'm afraid as it is only covered by a UK warranty. However, sometimes Samsung in Europe will help but we obviously cannot guarantee this as it would be their decision.
2. Expansys-usa - Talked over the phone -
Told me they will help me ship the phone to UK. But i dont know how fast that is going to be.
Hope this someone here
Pretty much as is and as has been reported .
Two warranty suppliers one the seller and two Samsung .
Samsung have said in the past that they cover warranty within Europe providing user has receipt from authorized seller .
jje
My company buys $10MM a year in Samsung TVs. My global account rep checked with the retail electronics group and said it would be serviced at any Samsung repair center worldwide. I'd take that over a shop clerks statement.
Here's an excerpt from the e-mail I received:
In the event that warranty service is required on your Samsung Mobile product and you are located outside of the country where it was originally purchased, the local Samsung entity in the foriegn countries listed below may be able to provide you with warranty service (labor or parts) during your warranty period.
Any warranty services rendered shall be in a manner consistent with the terms and conditions of the Samsung Mobile Products Limited Warranty. Warranty services performed outside the country of purchase may take longer if parts are needed to repair.​
Samsung posted a reply to a consumer and that was the basis of my statement regarding warranty in Europe .
So one part of Samsung differers with another .
Personally if its an international model i would expect warranty to be covered worldwide .
Buy one from Europe break it take it to Samsung USA service centre will be the test .
jje
JJEgan said:
Buy one from Europe break it take it to Samsung USA service centre will be the test .
jje
Click to expand...
Click to collapse
So true. That's the only real test. Personally, I'd rather not be first.
I was sending tweets to @galaxyssupport and they wouldn't give me the time of day. Referred me to SamsungUK as "its not a US market phone." SamsungUK has yet to repsond to me. That was a few days ago.....
Anybody have updated info on this? I bought from Expansys and would like to know who I would talk to regarding a warranty covered issue. Thanks.
jmwein said:
Anybody have updated info on this? I bought from Expansys and would like to know who I would talk to regarding a warranty covered issue. Thanks.
Click to expand...
Click to collapse
What is the issue you are having? I'm getting ready to pull the trigger on one from Expansys.
Thanks
Not sure if this is helpful, but I bought from Handtec, had to return it for replacement (screen issue diff from ring or yellow). They shipped back using Royal mail, took forever b/c of the Canada post lockout.
The point is shipping back and forth for issues on a phone that seemed to have a propensity for initial quality errors, could get expensive.
benivolent said:
The point is shipping back and forth for issues on a phone that seemed to have a propensity for initial quality errors, could get expensive.
Click to expand...
Click to collapse
How much did it cost and how long to did it take befoe you had a working phone again?
kbiz90 said:
How much did it cost and how long to did it take befoe you had a working phone again?
Click to expand...
Click to collapse
Cost me approx 79.10cdn to ship back via Fedex. (Canada Post would have cost me $69 but they were on strike &or locked out).
Sent it back June 16, 2011 and received my phone July 11, 2011. (i had my old phone to use in the meantime)
It was just super annoying to check tracking and seeing that it hadn`t left UK for weeks because of the mail lockout, esp when they could have shipped it fedex. Oh well, at least I have it back now.
I just went with SquareTrade. Cost $94 for 2 years with ADH. Accidental Damage from Handling (ADH) coverage.
https://www.squaretrade.com/
3_D said:
I just went with SquareTrade. Cost $94 for 2 years with ADH. Accidental Damage from Handling (ADH) coverage.
https://www.squaretrade.com/
Click to expand...
Click to collapse
did the samething.
I cannot believe this phone has not come out here.
Sent from my GT-I9100 using Tapatalk
3_D said:
I just went with SquareTrade. Cost $94 for 2 years with ADH. Accidental Damage from Handling (ADH) coverage.
https://www.squaretrade.com/
Click to expand...
Click to collapse
If you're in the U.S. might want to look into that. I called them before and because it doesn't have a standard U.S. warranty, it is not covered by Squaretrade.
Of course they have no way of knowing if your phone has warranty here in the U.S. or not, so they let you set it up. Make sure you can keep it, if not cancel it before the 30 free days are up.
You can buy a SGS2 at Amazon right now for $673 with free shipping (if you have Amazon Prime). Probably won't have to pay tax either unless you live in WA state (or some other unlucky state). Amazon has a 30 day return policy.
So, total Amazon cost without warranty is most likely $673.
If you buy from Expansys USA, you pay $700 plus tax. The tax for my state is $54. In addition, I give another online vendor my personal information and billing details.
So total Expansys USA cost is most likely $754. For me, it's an extra $81 over Amazon. Or 12% more.
What do you get for that $81? You probably get a two year warranty against manufacturing defects. Amazon is one month. It's unclear whether you have to ship it back to the UK. If you do and you pay the same as benivolent (thanks for the info, benivolent), you'll pay another $70 or so and wait at least 10 business days.
So, if you to ship it back the UK, total Expansys USA cost is most likely $824. For me, it's an extra $151 over Amazon. Or 22% more.
Even if you have to replace the screen which costs $350 (according to BarryH_GEG), the actual savings is $199 if you have to ship back to the UK or $269 if you can get it repaired at a Samsung service center. Of course, if a button fails after the first month, the savings will be much less or nothing at all.
So, from a breakeven standpoint, paying up for the warranty only makes sense if you think there is more than a 12% or 22% chance of something major breaking after the first month.
For me, the more like scenario is I drop or lose my SGS2.
Let's say we can get SquareTrade accidental damage from handling coverage for $94 or 14%. It might be useful if you drop your SGS2 in a puddle or drop it without a protective cover. In that case, you definitely want to buy from Amazon. However, that coverage is questionable given what Oat23 said. Your SGS2 may not be covered since it doesn't have a standard U.S. warranty.
Nothing will cover you if you lose your SGS2.
Personally, I never damaged any of my phones from dropping them and I never lost one. So it has paid for me in the past to forego insurance. That's hundreds of dollars in savings. If I continue my good luck, I'll save a minimum of $81 on my SGS2 purchase. Of course, whether you want to pay up for a warranty or insurance is a personal choice. However, they say the safest driver is one with a cop in the rearview mirror. Maybe the safest SGS2 owner is one without a warranty.
kbiz90 said:
You can buy a SGS2 at Amazon right now for $673 with free shipping (if you have Amazon Prime). Probably won't have to pay tax either unless you live in WA state (or some other unlucky state). Amazon has a 30 day return policy.
So, total Amazon cost without warranty is most likely $673.
If you buy from Expansys USA, you pay $700 plus tax. The tax for my state is $54. In addition, I give another online vendor my personal information and billing details.
So total Expansys USA cost is most likely $754. For me, it's an extra $81 over Amazon. Or 12% more.
What do you get for that $81? You probably get a two year warranty against manufacturing defects. Amazon is one month. It's unclear whether you have to ship it back to the UK. If you do and you pay the same as benivolent (thanks for the info, benivolent), you'll pay another $70 or so and wait at least 10 business days.
So, if you to ship it back the UK, total Expansys USA cost is most likely $824. For me, it's an extra $151 over Amazon. Or 22% more.
Even if you have to replace the screen which costs $350 (according to BarryH_GEG), the actual savings is $199 if you have to ship back to the UK or $269 if you can get it repaired at a Samsung service center. Of course, if a button fails after the first month, the savings will be much less or nothing at all.
So, from a breakeven standpoint, paying up for the warranty only makes sense if you think there is more than a 12% or 22% chance of something major breaking after the first month.
For me, the more like scenario is I drop or lose my SGS2.
Let's say we can get SquareTrade accidental damage from handling coverage for $94 or 14%. It might be useful if you drop your SGS2 in a puddle or drop it without a protective cover. In that case, you definitely want to buy from Amazon. However, that coverage is questionable given what Oat23 said. Your SGS2 may not be covered since it doesn't have a standard U.S. warranty.
Nothing will cover you if you lose your SGS2.
Personally, I never damaged any of my phones from dropping them and I never lost one. So it has paid for me in the past to forego insurance. That's hundreds of dollars in savings. If I continue my good luck, I'll save a minimum of $81 on my SGS2 purchase. Of course, whether you want to pay up for a warranty or insurance is a personal choice. However, they say the safest driver is one with a cop in the rearview mirror. Maybe the safest SGS2 owner is one without a warranty.
Click to expand...
Click to collapse
Whoa, lot's of info.
For purchase, I'd go a third route - clove.co.uk. It's $415 GBP ($670 USD) delivered in three days. It'll be fresh UK stock. If it has a defect, you'd be stuck with one-way shipping but someone else had a problem and Clove was good to work with. By purchasing it in the country of intended sale it's covered by the two-year warranty. My company does a lot of business with Samsung and I was told that the phone could be repaired in the U.S. under their Global Warranty program. It's yet to be tested though. If I bought from Amazon it would be through them direct, not an affiliated seller. To your point, if the first phone's defective in any way, they'd be the cheapest and fastest way to get an exchange. Expansys-USA would be second but they'd be more expensive. Both Amazon and Expansys have shipped phones from funky places like Poland and Chile. I got my phone from the UK and it was perfect. I'm guessing with 3MM sold your chances of getting "perfect" would be a lot higher than "crappy" if you went the UK route.
As for SquareTrade they do cover grey market phones. If you can Google a 30% off coupon it's $94 for $600 of coverage for two-years. It's also transferable which makes the phone more valuable on eBay if you ever want to sell it. I'd bet they'd cover the cost of shipping to the UK for warranty repairs also - it's cheaper than them having to eat the phone at the full $600 of coverage. The screen alone is $450 to replace so, to me, the $94 is worth the piece of mind and as a back-up to the Samsung warranty.
Oat23 said:
If you're in the U.S. might want to look into that. I called them before and because it doesn't have a standard U.S. warranty, it is not covered by Squaretrade.
Of course they have no way of knowing if your phone has warranty here in the U.S. or not, so they let you set it up. Make sure you can keep it, if not cancel it before the 30 free days are up.
Click to expand...
Click to collapse
You are correct. I checked as well a couple of months ago and they said if it is a UK version of the phone, Squaretrade will not cover it in the U.S.
One way they will know it does not have a US warranty is if you purchased it from and overseas vendor since Squaretrade requires you send in a copy of the purchase receipt. The other problem is even if you bought it from a US vendor and the phone fails in the first year, Squaretrade will tell you to work with the manufacturer since it is "covered" in the first year warranty period.
I guess another option is if you bought it from a U.S. vendor and you have an Accidental Damage policy you could smash the phone with a sledgehammer, accidentally, and try to submit a claim and pay any deductible. But if that doesn't work, all you have are pieces of the phone left.
BarryH_GEG said:
As for SquareTrade they do cover grey market phones. .
Click to expand...
Click to collapse
The only time Squaretrade "may" cover a grey market cell phone is if it was purchased through eBay. Squaretrade has specialized warranties for eBay purchases. Otherwise, Squaretrade will not cover grey market cell phones.
On the cell phone warranty sign up page, in the fine print it states "The SquareTrade cellphone warranty prices listed above are applicable to new Cell Phones (with a full 1 year manufacturer warranty) purchased from authorized outlets."
Then on the grey market FAQ it states "SquareTrade honors every valid claim, and only voids a warranty if the item was never eligible for a Care Plan or in cases of outright fraud."
In the case on of a non-ebay grey market phone, it is never eligible for a Care Plan in the first place.
That is what they told me when I asked a couple of months ago. If you hear differently from Squaretrade I would love to know (and a contract name and email for Squaretrade to set me up).
FishTaco said:
You are correct. I checked as well a couple of months ago and they said if it is a UK version of the phone, Squaretrade will not cover it in the U.S.
Click to expand...
Click to collapse
From their U.S. terms and conditions:
If the manufacturer refuses to honor their warranty because they consider your item grey market or not purchased from an authorized retailer, we will still cover you.
Here's a link to their full terms and conditions.
http://www.squaretrade.com/merchant/learn/summaryPopup.html
I sent them my UK receipt to have on file so I can go paperless if I need to file a claim. My policy has been updated online to show "receipt received and on file." I checked a lot of different options and their the only ones I could find that would cover a grey market phone.

SquareTrade vs. Ensquared (International Folks)

Now I understand that there have been quite a few threads on insurances companies but I want to know what you guys went for and why.
SquareTrade covers everything except lost and stolen but i have seen exceptional reviews with them
-They require you to buy their insurance within 30days
-$69 for 1 year (Coverage up to $750)
-$99 deductible
-International covered
Ensquared does cover lost and stolen and I have seen decent reviews with them.
-They require you to buy their insurance within 90days
-Claims all phones are replaced NEW
-$58.99 for 1 year (Coverage up to $1000)
-Max of $75 deductible on any smartphone
-International unlocked phones covered
I've read much on SquareTrade but i havent found much on Ensquared in terms of reviews. If anyone does have experience with Ensquared that would be nice. Insurance that covers lost and stolen is golden.
Now there are other companies too such as Negri and Asurion. I've read Negri is unreliable with their umbrella insurance company. Asurion is okay but doesnt cover every carrier.
Input would be great. Remember, we all just want to secure our investments

SquareTrade and NegriCare

I just received an LTE version (SM-P605) and I am looking into the different protection warranties available. I have seen many mentions of SquareTrade (and it's even available from Amazon), but I haven't seen any mention of NegriCare (sold from Negri Electronics).
I'm looking at the accidental coverage, so it would cover drops, etc.
The NegriCare is a little less expensive, but has a $50 deductible. Does anyone actually have any experience with either?
Thanks in advance...
If you do use Square Trade, definitely get it from Amazon, the prices are much better. ST discount codes can be found easily but the Amazon pricing is still better.
I have the Square trade warranty but can't tell you how good or bad it is since I haven't used it.
Send me a private message if you need a discount code.
I've had two devices totaled and SquareTrade paid each claim within a week. NegriCare is just a white-label product offered through them but underwritten by a third party. Having insurance is only worthwhile if your claim is handled quickly and satisfactorily. That's definitely the case for me and those I know who've dealt with ST but a question mark for whoever Negri's using. Look at the T&C on Negri's site where they offer NegriCare and you should be able to fine the name of the company underwriting the insurance. Check the AM Best site to see their size, rating, and time in business.
P.S. - Never file a claim online with ST. You'll get some sketchy robo-generated answers that can elongate the process. Always file the claim with a human.
BarryH_GEG said:
I've had two devices totaled and SquareTrade paid each claim within a week. NegriCare is just a white-label product offered through them but underwritten by a third party. Having insurance is only worthwhile if your claim is handled quickly and satisfactorily. That's definitely the case for me and those I know who've dealt with ST but a question mark for whoever Negri's using. Look at the T&C on Negri's site where they offer NegriCare and you should be able to fine the name of the company underwriting the insurance. Check the AM Best site to see their size, rating, and time in business.
P.S. - Never file a claim online with ST. You'll get some sketchy robo-generated answers that can elongate the process. Always file the claim with a human.
Click to expand...
Click to collapse
Thanks for the great info.
NegriCare is serviced through Mack Warranty
I recently had a tablet under warranty with SquareTrade that ended up getting damaged.
I filed the claim online which was rather simple and straightforward. Within a few hours, I received an email stating the claim was received and a 2nd day shipping label was attached. Sent the tablet that night and within a week, the claim was approved for reimbursement of the purchase price of the tablet. I elected to get my funds sent via Paypay (rather than a hard check), and the monies were in my account in a couple days after claim approval. In total, the process from filing claim to having money in Paypal account took a bit under 2 weeks.
Ensquared
harrychimp said:
I recently had a tablet under warranty with SquareTrade that ended up getting damaged.
I filed the claim online which was rather simple and straightforward. Within a few hours, I received an email stating the claim was received and a 2nd day shipping label was attached. Sent the tablet that night and within a week, the claim was approved for reimbursement of the purchase price of the tablet. I elected to get my funds sent via Paypay (rather than a hard check), and the monies were in my account in a couple days after claim approval. In total, the process from filing claim to having money in Paypal account took a bit under 2 weeks.
Click to expand...
Click to collapse
I use Ensquared to insure my devices. The good thing is they cover international devices. I made 2 claims on my Galaxy Note 1 and they sent my replacements within 3 days. I have been lucky to get brand new devices each time. They get thier replacement direclty from the manufacture and at times they get them from Negri. they ship them to you overnight at no additioanl charge.
marshwc said:
Thanks for the great info.
NegriCare is serviced through Mack Warranty
Click to expand...
Click to collapse
I had a Mack warranty on my old DLP TV that included bulb replacement and had a very pleasant experience with them when I needed a new bulb.

Check with your home owner's policy for cell phone coverage!

OK, like many of you, I have traditionally paid the $8-12 per month for device protection / insurance. But I recently started questioning that and did some digging. Here's what I found:
My Amex AND Visa cards both provide courtesy device protection with a $0 deductible for 90 days after purchase date. It's automatic, and offered by pretty much most credit card companies these days.
My home owner's policy provides up to $5000 in home electronics coverage, with a $50 deductible. It's automatic as well. Phones and home electronics are considered personal property and your home owner's policy covers you anywhere in the world, not just in your home.
I called both credit card company and the home owners company to go through what's covered and what's excluded in detail. Accidental loss, theft, water damage, screen breakage - they are all covered. Yeah, sure, you have to go through a claims process and they aren't going to overnight you a replacement phone. But I am more than happy to just go online and buy a brand new device while I wait for claims to reimburse me. That way, I am getting a brand new phone too, instead of a refurbished unit.
Just wanted to share this with folks - most people have this coverage automatically, no reason to pay the high cell phone carrier insurance rates.
Thanks. I work in Auto insurance and I never thought to call my home owners insurance. I'm going to give them a call.
Sent from my SM-T700 using XDA-Developers mobile app
xxaarraa said:
OK, like many of you, I have traditionally paid the $8-12 per month for device protection / insurance. But I recently started questioning that and did some digging. Here's what I found:
My Amex AND Visa cards both provide courtesy device protection with a $0 deductible for 90 days after purchase date. It's automatic, and offered by pretty much most credit card companies these days.
My home owner's policy provides up to $5000 in home electronics coverage, with a $50 deductible. It's automatic as well. Phones and home electronics are considered personal property and your home owner's policy covers you anywhere in the world, not just in your home.
I called both credit card company and the home owners company to go through what's covered and what's excluded in detail. Accidental loss, theft, water damage, screen breakage - they are all covered. Yeah, sure, you have to go through a claims process and they aren't going to overnight you a replacement phone. But I am more than happy to just go online and buy a brand new device while I wait for claims to reimburse me. That way, I am getting a brand new phone too, instead of a refurbished unit.
Just wanted to share this with folks - most people have this coverage automatically, no reason to pay the high cell phone carrier insurance rates.
Click to expand...
Click to collapse
Most credit cards offer extended warranty. Regarding about filing a claim with your insurance company, your premiums will go higher if you file too many claims. So for a small claim, it might not worth it.
Hopefully I don't lose my phone too many times, in fact I hope I never lose it. The whole premium going up after a claim isnt something I worry about. I can either pay $150 a year PLUS $175 deductible for carrier provided insurance, or make a claim with my home owners policy and take my chances with premium increase the next year.

Categories

Resources