Database Users

Phone Insurance

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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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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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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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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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.

Best form of Insurance for Evo

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.

[Q] Insurance worth it?

I'm just curious if it is worth it for the insurance service that sprint offers? Also, if I buy the phone at BB can I get the sprint insurance or just BB's insurance?

DevilDogVIKING said:
I'm just curious if it is worth it for the insurance service that sprint offers? Also, if I buy the phone at BB can I get the sprint insurance or just BB's insurance?
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I personally think insurance is always needed if you can afford it.
My friend has the Evo, and purchased the Radioshack insurance for $100 a year, and also has the Sprint insurance which is $7.99 a month (correct me if I'm wrong).
She dropped her Evo, and shattered the screen, but since the Radioshack insurance covers ALL damage, even screen damage, she was able to exchange it for a new Evo at Radioshack on the spot.
Sprint insurance doesn't cover water/screen damage, and you will have to pay a deductible to get them to replace your phone. You will also get a refurbished phone if it can't be repaired.

NeonMonster said:
I personally think insurance is always needed if you can afford it.
My friend has the Evo, and purchased the Radioshack insurance for $100 a year, and also has the Sprint insurance which is $7.99 a month (correct me if I'm wrong).
She dropped her Evo, and shattered the screen, but since the Radioshack insurance covers ALL damage, even screen damage, she was able to exchange it for a new Evo at Radioshack on the spot.
Sprint insurance doesn't cover water/screen damage, and you will have to pay a deductible to get them to replace your phone. You will also get a refurbished phone if it can't be repaired.
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Sprint insurance covers anything and everything (if it's the full TEP which is $7 a month) and there is a deductible of $100 or $50 dependent on your phone (obviously newer phones are $100)

DirtyShroomz said:
Sprint insurance covers anything and everything (if it's the full TEP which is $7 a month) and there is a deductible of $100 or $50 dependent on your phone (obviously newer phones are $100)
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True,but still is pointless to make someone pay a deductible when they pay insurance. I miss nextel, they didnt charge a deductible at all if you needed a replacement phone.

JUST2SUAVE said:
True,but still is pointless to make someone pay a deductible when they pay insurance. I miss nextel, they didnt charge a deductible at all if you needed a replacement phone.
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Agree completely.
$7 a month + a deductible on top of it?
I'm most likely going to go with Radioshack insurance, and forgo the Sprint monthly insurance.
Already ordered a screen protector and Seidio innocase. I'm trying to keep this phone perfect.

http://forum.xda-developers.com/showthread.php?t=760216

JUST2SUAVE said:
True,but still is pointless to make someone pay a deductible when they pay insurance. I miss nextel, they didnt charge a deductible at all if you needed a replacement phone.
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You mean like every insurance known to earth? Car insurance, health insurance, house.... they all have a deductible.

DirtyShroomz said:
You mean like every insurance known to earth? Car insurance, health insurance, house.... they all have a deductible.
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Exactly, it's either a deductible or higher premiums... insurance companies need to make money to stay in business. Deductibles deter fraud and keep premiums lower.

I really don't see the point of insurance on a phone or other products for that matter, you need it on your house or car and for your health, for other things, its a losing proposition. insurance companies aren't in business to lose money.

robl45 said:
I really don't see the point of insurance on a phone or other products for that matter, you need it on your house or car and for your health, for other things, its a losing proposition. insurance companies aren't in business to lose money.
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Insurance on a phone is good for 1 year, after 1 year remove it as buying a new phone comes out cheaper

DirtyShroomz said:
Insurance on a phone is good for 1 year, after 1 year remove it as buying a new phone comes out cheaper
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isn't the phone warrantied for a year anyway?

robl45 said:
isn't the phone warrantied for a year anyway?
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Yes but warranty doesn't cover any type of physical/water damage, that's where insurance comes in handy

DirtyShroomz said:
Yes but warranty doesn't cover any type of physical/water damage, that's where insurance comes in handy
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yes I suppose it would if the insurance had no deductible, I might do it, but I can barely afford both phones at this point.

robl45 said:
isn't the phone warrantied for a year anyway?
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Not from physical damage and being lost or stolen.
Also I get an upgrade every year so $7 is great for me especially since it gets replaced in store most of the time.

robl45 said:
I really don't see the point of insurance on a phone or other products for that matter, you need it on your house or car and for your health, for other things, its a losing proposition. insurance companies aren't in business to lose money.
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Insurance is meant to be a losing proposition. It's really the whole point. You arn't paying for it in the hopes of getting your money back in some way. You are paying for it so that if by some chance you need it you have it. You may drop your phone within 3 months. You may not. If you don't then insurance is a bit of a waste. If you do then insurance was a great idea.
The problem with insurance is people seem to think they are making an investment that they hope to get back some day. In most cases that is called 'fraud'. You are paying for peace-of-mind in case something bad does happen.
Insurance companies make their money on the bet that most of their customers won't actually ever use the service.

Khemul said:
Insurance is meant to be a losing proposition. It's really the whole point. You arn't paying for it in the hopes of getting your money back in some way. You are paying for it so that if by some chance you need it you have it. You may drop your phone within 3 months. You may not. If you don't then insurance is a bit of a waste. If you do then insurance was a great idea.
The problem with insurance is people seem to think they are making an investment that they hope to get back some day. In most cases that is called 'fraud'. You are paying for peace-of-mind in case something bad does happen.
Insurance companies make their money on the bet that most of their customers won't actually ever use the service.
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Which is why they all have deductibles, because that is a losing bet and they need the deductible money to make up for all the money they throw out on customers that actually use the service..

thanks for all the replies. I like the insurance for a year idea, makes sense. I think I'll get the sprint insurance, its cheaper at the beginning.

DirtyShroomz said:
Which is why they all have deductibles, because that is a losing bet and they need the deductible money to make up for all the money they throw out on customers that actually use the service..
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It isn't really a losing bet. It works off of averages. If 25% of the customers make claims, the insurance company makes it's profit off the other 75%.
There are plenty of reasons for deductibles.
1. Fairness. Those using the service pay more for it. If I end up not needing the service then the company doesn't need to get as much money out of me. My reward for this is that I pay a less then someone who actually made a claim (because I didn't have to pay a deductible).
2. Marketing. $7/mo looks better then $10-$15/mo. It's sorta like a hidden cost that only applies if needed. This way they can advertise the lower price and balance risk (which is really the key word for the insurance industry). Sort of like what the airline companies are doing by charging fees for everything they can think of rather then raising ticket prices.
3. Deterrent. It deters people from simply making a claim because they think they should get back that investment in insurance they have made all year. This prevents insurance rates from hitting $20-$30/mo or even more (they'd have to make the entire cost of the phone + profit in 1 year). Doesn't prevent it entirely, but they are working on large numbers and even a small deterrent means more profit.

DirtyShroomz said:
You mean like every insurance known to earth? Car insurance, health insurance, house.... they all have a deductible.
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I didnt state any those companies cell phone insurance should not be compared to those, they are not the same, you stated those, i had sprintnextel when they merged and lost and repair insurance was one fee, with no deductibles, and you could do up to 3 claims a year, still no deductible charged.

I dunno if insurace is really worth it on this phone, if the last sentence on page two of this pdf is true, then its cheaper just to pay the WIE fee of 120 bucks in the case that you do drop your phone and break the screen or something like that rather then pay the 100 deductible+7 dollars a month. And use the phones 1 year warranty for anything else that might be defective with it later on down the line.
"If the customer does not have TEP and needs their phone repaired or exhanged, the Walk-In-Express fee is $119"
had to zip up the pdf because it exceeded the size limit

Buy insurance for your epic..no more instore warranty repairs/replacements

Not sure how many people are aware, but as of tomorrow sprint is changing its service and repair program thus stopping in-store warranty work, your phone will only get repaired/replaced at a service center if you have TEP, otherwise you will have to go directly through Samsung which has a 17 business day turn-around time. If you do have TEP physical damage will be covered (cracked screens ext.), batteries will be covered..everything short of water damage and damaged beyond repair (aka the main board is broken) with no deductable
PDF Flyer: http://www.megaupload.com/?d=KUODMNAN

The file you are trying to access is temporarily unavailable.
The file you are trying to access is temporarily unavailable.
Been gettting that message all morning trying to download it.

d94 said:
Not sure how many people are aware, but as of tomorrow sprint is changing its service and repair program thus stopping in-store warranty work, your phone will only get repaired/replaced at a service center if you have TEP, otherwise you will have to go directly through Samsung which has a 17 business day turn-around time. If you do have TEP physical damage will be covered (cracked screens ext.), batteries will be covered..everything short of water damage and damaged beyond repair (aka the main board is broken) with no deductable
PDF Flyer: http://www.megaupload.com/?d=KUODMNAN
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You have it wrong. The main change is $35 charge. the average person will still used this less than once every two years. The insurance still doesn't make much more sense than it made int he past.
Sprint will treat non tep repairs for warrant issues exactly the same except for a $35 charge.
Sprint will replace phones for the same no deductible reasons as it did before with the exception of a $35 charge.
Paying the insurance still means all the odds have been figured and you are paying extra for insurance company profit, insurance company overhead, people who take inordinate risks with their phones, and people who game the system.
Insurance is always like playing against the house, insurance for losses that are not catastrophic rarely make sense

The huge benefit to the change now is that physical damage is now covered in store with no deductable. (Cracked screens, ex) which saves you 100 big ones.
Sent from my SPH-D700 using XDA App

Sent from my SPH-D700 using XDA App

cognitivel0gic said:
The huge benefit to the change now is that physical damage is now covered in store with no deductable. (Cracked screens, ex) which saves you 100 big ones.
Sent from my SPH-D700 using XDA App
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x2, now all the people that brick their phones can chuck their phone on the ground and get it replaced for free.
/fail

This is all well and good but I would like to see a few people go into the repair center with some cracked screens to see if they get fixed. The phrase that scares me is "not repairable damage". The leaves things very loose, I would hate to take the insurance off my phone, accidentally drop is and then have the person at the repair center tell me that this is not repairable. I don't take paying 7 a month extra as a bet against the house, its more like piece of mind that I would never have to pay $450+ dollars out of pocket for my phone if something were to happen.

scriz said:
x2, now all the people that brick their phones can chuck their phone on the ground and get it replaced for free.
/fail
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"a $50/$100 Claim via Asurion (Insurance Provider) for Damaged beyond repair devices such as ones with a damaged circuit board, liquid damage/corrosion, or a smashed device in 3 or more pieces. And anyone with a lost or stolen device will also get the same above $50/$100 Claim via Asurion."
"For those who are not under TEP and have such issues as a damaged circuit board, liquid damage/corrosion, a smashed device in 3+ parts, or a stolen/lost device they will either have to Upgrade or purchase a new device at MSRP."

So do you guys think the TEP is still worth it?
I had it for a year on my TP2 and never used it.

fastmikey1969 said:
So do you guys think the TEP is still worth it?
I had it for a year on my TP2 and never used it.
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The cost to service is less for a non Tep customer than the deductible. Unless you are prone to lose or water damage your phone the choice seems clear.
Sent from my SPH-D700 using Tapatalk

For me it's been worth it. Over the last year, my wife has had her Moment stolen twice, and my son ran into the ocean with his Blackberry. Without TEP, I would have had to buy 3 phones at full price.

I'll never get rid of TEP. I've saved so much money from replacing phones. I seem to be cursed with bad screens, hinges, screens going white, etc... Alot of it happens out of warrenty.
I love TEP!
Sent from my bathroom, with toilet paper.

fastmikey1969 said:
So do you guys think the TEP is still worth it?
I had it for a year on my TP2 and never used it.
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To me, it's just like a concealed handgun license. Better to have it and not need it, then need it and not have it.

AmnChode said:
Better to have it and not need it, then need it and not have it.
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That is an extraordinarily irrational attitude toward spending. Why not then buy a second phone to: "have it and not need it"?
The fact is the insurance companies have already figured out whether you will "need it." They have the data and statistics. They figured out the odds, built them against you, added profit, overhead, fraud etc
And again this entire post relative to non TEP holders is for phones bought after Oct 25, sprint can't retroactively change existing purchases and charge for what they specifically advertised for as free when n those purchases were made. Sprint specifically said warranty work would be zero cost without TEP to people buying before last week.

aero1 said:
That is an extraordinarily irrational attitude toward spending. Why not then buy a second phone to: "have it and not need it"?
The fact is the insurance companies have already figured out whether you will "need it." They have the data and statistics. They figured out the odds, built them against you, added profit, overhead, fraud etc
And again this entire post relative to non TEP holders is for phones bought after Oct 25, sprint can't retroactively change existing purchases and charge for what they specifically advertised for as free when n those purchases were made. Sprint specifically said warranty work would be zero cost without TEP to people buying before last week.
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No its not irrational. Would you rather walk in the store and walk out knowing your free replacement will be here the next day, or would you rather walk in the store, spend $35 and have it delivered?
Your attitude towards it would be like not having car insurance. I've had full coverage insurance on both of my vehicles since I've owned them, yet have not had any accidents or had to file any insurance claims..should I just not have insurance just because I haven't "needed" it?

scriz said:
No its not irrational. Would you rather walk in the store and walk out knowing your free replacement will be here the next day, or would you rather walk in the store, spend $35 and have it delivered?
Your attitude towards it would be like not having car insurance. I've had full coverage insurance on both of my vehicles since I've owned them, yet have not had any accidents or had to file any insurance claims..should I just not have insurance just because I haven't "needed" it?
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I'll save the couple hundred dollars I'd spend total with TEP, pay the $35 and wait a few days.
I'm a single dad with two kids...the money's more important than the phone.

scriz said:
Your attitude towards it would be like not having car insurance. I've had full coverage insurance on both of my vehicles since I've owned them, yet have not had any accidents or had to file any insurance claims..should I just not have insurance just because I haven't "needed" it?
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No it isn't. Car liability insurance protects you from loses in the millions, loses that do NOT decrease over the lifetime of your ownership.
Your phone goes from $600 to ~$200 in a year. The $600 phone I bought 18 months ago sells for $50 ebay.
scriz said:
Would you rather walk in the store and walk out knowing your free replacement will be here the next day, or would you rather walk in the store, spend $35 and have it delivered?
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You are confused about Sprints coverage in order to rationalize an irrational purchase. Last time I walked into a sprint store with a non functional phone -- and I have NO TEP or insurance with them, I walked out with a new in box 20 minutes later and paid no fee whatsoever.
You can't argue against the math. That it is not worth it and costs the average user more than benefit is an objective fact. If it weren't, it would cost more.
Please don't call the math irrational, when it is purely rational and the basis for profit of insurance companies, who employ better mathematicians and statisticians than NASA.
Al;so you are incorrect about the $35, that fee only applies to customers who purchased after Oct 25. (and even so it is worth it.)

aero1 said:
Al;so you are incorrect about the $35, that fee only applies to customers who purchased after Oct 25. (and even so it is worth it.)
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Just to put it out there, I am a technician at a Sprint corporate store and we definitely charge the $35 even for those phones purchased before the date.

ramsestut said:
Just to put it out there, I am a technician at a Sprint corporate store and we definitely charge the $35 even for those phones purchased before the date.
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Thank you. I was about to post the same thing.
People, it doesn't matter when you purchased your phone. If you do not have TEP you will be assessed a $35 charge. And now, at least at my store, if a person comes in wanting to have their phone looked at under the manufacturers(sp) warranty, we provide them with the phone number to the specific manufacturer, andvise them of the 1-3 week wait period and inform them once again about the benefit of TEP. The only bright side is that after the initial $35 charge you now have 30 days in the event you do want to add the TEP to prevent any future hassels.

Sprint Total Equipment Protection. Is it a must have?

Hello,
I do not know if I should take the equipment protection that sprint offers. Is this the only option or is there any other ?
Any suggestion/help is appreciated.
Broadcasted From HTC Evo 4G

It just depends on how you are with you phone. Plus it's only $7 I think now? If something does happen to your phone, paying $100 for a replacement is better than paying $500 for a brand new one. Let me tell you though, Asurion sucks. They are one of the most stingy companies I've ever had to deal with, with both my Moment and my Epic.

Yes... worth it. Asurion wasnt a problem to deal with in my opinion when I went swimming with my Pre in my pocket. I had issues with billing amounts and mishaps but excusable in my opinion.

$35 at the sprint store to fix it if you drop it. (Unless you drop it in water I guess)
At $7 a month, you would need to drop your phone more than once every 5 months. If you are careless with your phone, buy the TEP. If you take care of it like I do, the $7 a month is a waste.

dills2214 said:
$35 at the sprint store to fix it if you drop it. (Unless you drop it in water I guess)
At $7 a month, you would need to drop your phone more than once every 5 months. If you are careless with your phone, buy the TEP. If you take care of it like I do, the $7 a month is a waste.
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stuff happens, i recently dropped my evo.
i have TEP and its deffinetly worth it.
if you get it you might never use it, but if you dont get it and something happens, $500 down the drain

I have insurance through Best Buy, 7 a month and it covers pretty much everything except theft. Does TEP cover theft as well?

Berat said:
I have insurance through Best Buy, 7 a month and it covers pretty much everything except theft. Does TEP cover theft as well?
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If its Lost/Stolen you will pay a $100 deductible on top of the 7/month to get a new/refurb EVO.

In the long list of phones I've had over the years, the only ones I've ever had break met their demise in water/beer. So I consider it a must have. Also, after dealing with plenty of customers who didn't get TEP and lost or had their phone swiped, and want to rip my head off when I say a new one is $400-500.. I'd say it's well worth the $7 a month.

Tpe is worth it in my opinion.
I had a motoq 9c before upgrading to the ego and swapped it for wear and tear issues beforehand.
Probably give it to my kid as book reader/mp3 player... any other ideas?
Sent from my PC36100 using XDA App

The cost of a lunch, for a $35 repair, or $100 replacement Pay the $7, well worth every cent.

Berat said:
I have insurance through Best Buy, 7 a month and it covers pretty much everything except theft. Does TEP cover theft as well?
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Best Buy insurance is not 7, it's more like 10. Also, where Sprint can do repairs in house, Best Buy has to ship our phones out for weeks at a time.If I could do it over, I'd get the Sprint TEP.
Sent from my HTC EVO using XDA app

Berat said:
I have insurance through Best Buy, 7 a month and it covers pretty much everything except theft. Does TEP cover theft as well?
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They don't cover theft and you forgot to mention they don't cover loss either.
Sent from my PC36100 using XDA App

Bestbuy warranty's are a Rip off!

Berat said:
I have insurance through Best Buy, 7 a month and it covers pretty much everything except theft. Does TEP cover theft as well?
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I had to pay 10 for best buy, 7 was never an option
Sent from my PC36100 using XDA App

Also, I would argue that it depends on how often you upgrade. I usually upgrade once a year, and most phones (I know for a fact HTC's) carry at least a 1 year manufacturer warranty. Won't help you with stuff like water damage, theft or the like, but it will with defects. If you're careful with your phone, the manufacturer warranty is free and should cover you. I got mine replaced for the power button crack and some weird hot spots on my screen, through Sprint, for free.

johnylovejoy said:
stuff happens, i recently dropped my evo.
i have TEP and its deffinetly worth it.
if you get it you might never use it, but if you dont get it and something happens, $500 down the drain
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How is it $500 down the drain?
Take it to your nearest sprint store. $35. Fixed and out the door. Like I said, unless you drop it on a regular basis, I just don't see how it is worth it.

chris66 said:
The cost of a lunch, for a $35 repair, or $100 replacement Pay the $7, well worth every cent.
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Wrong.
$7 TEP - fixed or replaced for free (Minus water damage/board damage)
No TEP - Fixed for $35 at sprint store or $100 for replacement if in several pieces, water damage, etc.
http://forum.xda-developers.com/showthread.php?t=819504&highlight=TEP

chumpysv said:
Best Buy has to ship our phones out for weeks at a time.
Sent from my HTC EVO using XDA app
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Exactly which Bestbuy keeps on a very down low while selling consumers.
Bestbuy geek squad forums have purchasers posting everyday that phone has been out for service over a month and when they received it back repair was crap.
This leaves consumers with bad choices - send it out for service again deal with another long return time or deal with crappy repair.
Oh lets not forget loaner phones , their very scarce and suc.
Bestbuy extended warranty of any type are a scam.

I would say its only worth it if your very rough with your phone (or work in an adverse environment, etc) or plan on keeping it over a year. I went through 9 feature phones in a 3 year period because I was so careless with them (fell in fire, dog chewed one, toilet, beer cup, ran one over, lost etc etc.), and considered the couple bucks worth it. Smart phones? I'm as careful as can be. Dropped my launch day Evo once since release, on carpet from about a foot. When it crapped out for unknown reasons at the end November, I just brought it to Sprint and they replaced on the spot for $35. Saved a little over the TEP and a good amount over BestBuy's blacktie scam.
Apparently they're supposed to send yours in and order a replacement when you warranty replace one, but the rep just asked that I give him a good rating on the review call and gave me a new one. Easy enough. *****ing about driving 30 miles in driving snow to the nearest Sprint store with Evos in stock probably helped. Granted he didnt know I find every excuse possible to rip around in a snow storm, and would have been driving around pulling people out of the ditch anyways.

I have TEP and pay the $7/month.
First, my bottom LED flash stopped working. I walked into the Sprint store, and it was taken care of for free.
A few days later, I lost it while out. $100 and I had a phone 2 days later. And BTW, they're not giving out refurbed EVOs (at least not as of 3 or so weeks ago). My replacement was BNIB. Compared to what it would cost me for a new one, I am a-okay with $7/month.
I'm not someone that drops my phone, and I generally take very good care of my items, but sometimes, stuff (like losing it) happens. It's a gamble, but in the long run, I feel I got my $ worth, and for what the EVOs cost, the $7/month is well worth the peace of mind.
It all boils down to this being a gamble, no different than carrying comp/coll on your car/truck.