Best Cell Phone Insurance

In the event of an unexpected repair or replacements could leave you in the ring for hundreds of dollars, but having the right insurance policy could reduce the cost. When you purchase a insurance policy for your phone and pay an annual or monthly fee usually from $5 to $20 per month. In the event that the device becomes damaged or lost it will be able to fix or repair it at less than the market price with the cost-sharing.

A variety of insurance policies provide similar coverage, however it is important to read through the policies and providers before making a choice. The most cost-effective policies come with low deductibles. This makes it simple to make a claim. Other factors such as bundling discounts, multi-device choices and reviews from customers can be beneficial when choosing the right company. Learn more to find out which one best suits your requirements.

BEST OVERALLAsurionOverview

A lot of cell phone companies allow clients to include insurance on their monthly bill. If you’re a Verizon, AT&T, USCellular or Sprint customer, it’s likely that you’ll be able to access Asurion’s insurance coverage. The coverage is reasonably priced and the claim process is straightforward and the users are generally pleased with their experiences. This is what makes Asurion the top overall provider of cell phone insurance in our top list.

Asurion policyholders are insured when their device is stolen, lost or is damaged (e.g. screen breaks or liquid damages). Plans also cover damage to devices as well as failures and issues with devices that are due to usage and use, including dust accumulation, internal issues with humidity and heat.

The Asurion claims online portal makes it simple to make a claim and you can generally expect the replacement device to arrive by mail in less than 24 hours. There aren’t all devices that require replacement however. If your screen has been damaged or you’d like to talk directly to technicians, you may go in one of over 350 uBreakiFix Asurion stores, which are now changed to Asurion Tech Repair & Solutions. 1 For additional convenience, you can make an appointment for an appointment at your office or home for one of the Asurion technician. With the variety of repair options available there’s no problem finding one that’s right for your needs.Plans & Pricing

The options for purchasing vary based on the mobile provider and device type however, you can generally expect to pay between $12 and $15 per monthly for one mobile or device (e.g. smartphones, phones or watches) or approximately $45 for a plan for multiple devices which covers three or more devices.

The cost of a replacement phone’s deductibles are also dependent on the device, and can vary between $9 and $249, with newer or more expensive phones having higher deductibles. Repairs to screens, that usually aren’t required for a replacement handset are less expensive with discounts as low as $29.

BEST FOR FAMILIESSquareTradeOverview

SquareTrade is insured by Allstate and is promoted to be one of the cheapest insurance plans for cell phones available. SquareTrade provides low-costplans for multi-devices that have greater claim limits than other insurance companies. Together, these features make SquareTrade our top choice for insurance on cell phones which can be used to cover the entire family.

SquareTrade insurance is available to all phone models and models, regardless of the carrier or age. Plans protect against damaged screens, touchscreens that fail and liquid damages, as well as audio/speak problem, battery failure and port failures for charging.

It covers repairs that are on premises (e.g. at your office, home or a coffee shop etc. ) Repairs that are same day and repairs in a local repair shop. If you’d like to drop off your phone for repair which typically can take between two and five days.

Although many insurance companies for cell phones restrict annual claims to two in a plan SquareTrade can allow up to four claim per plan with a single device. Family plans permit as many as eight claims each calendar year, which can be especially beneficial for families who have several devices, both mobile and other.Plans & Pricing

SquareTrade premiums begin at $8.99 per month for one device, however you can cover multiple devices at $19.99 per month. Deductibles cost a flat $149, regardless of the phone’s model, age or issues.

SquareTrade provides the option of upgrading ($12.99 each month) which adds benefits such as high-end technical support and Allstate Roadside Assistance as well as identity theft protection.

BEST FOR IPHONESAppleCare+Overview

A brand new iPhone could easily cost upwards of $1000, making insurance a wise investment. Although most insurance companies will happily accept iPhones If you’re looking for the most reliable insurance, you might want to start at the provider. AppleCare+ is a simple way to safeguard your device and provide ongoing assistance from experts who are familiar with the operating system, hardware and the software that create Apple products distinctive. This is why we’ve chosen AppleCare+ as the best alternative to iPhone users.

AppleCare provides two policy options: AppleCare+ and AppleCare+ with the loss and theft. Both policies will cover up to two instances of accidental damage protection per year as well as protection when your battery is able to hold more than 80% of its capacity to charge. AppleCare+ with Theft and Loss offers additional protection for the event that your device is stolen or lost.

A AppleCarePlus account also grants you 24-hour access to Apple specialists by phone or chat and online services (e.g. screen repairs) and express replacement options and repair options via mail with prepay shipping. If you are an AppleCarePlus client, you are also able to go to any Apple Store or Apple Authorized service provider to receive repairs in person and troubleshooting.

If you’re thinking of AppleCare+, you should try to apply the policy in the first 60 days after buying your iPhone. If the window has been ended, you might need to go to or go to an Apple Store before you can apply the policy.Plans & Pricing

Prices differ based upon the iPhone model you want to cover. If you’re buying a new model, you can anticipate AppleCarePlus to run $9.99 per month, or $199 for a fixed period that lasts for two years. AppleCarePlus includes Theft and Loss will cost around $11.49 each month.

The deductibles are contingent upon the kind of incident. The minimum deductible for repairs to screens is $29, whereas other kinds of damages typically will result in a deductible of $99. If your device is stolen or stolen or lost, you’ll be paying $149 cost deductible.


Samsung has always been an innovator in the field of cell phone technology, which is why it is only natural to provide insurance to protect their mobile phones. As with AppleCare+ Samsung Care+ utilizes the experience in Samsung technicians to provide affordable and reliable repairs to Samsung customers. This is what makes Samsung Care+ one of the top service for Samsung customers.

Samsung Care+ insurance policies offer protection against accidental damage, spills of liquid or screen fractures. Policy holders also have an extended warranty to protect against electrical and mechanical malfunctions once the 12-month manufacturer warranty ends.

As an Samsung Care+ client will be able to take advantage of support 24/7, and in the event that you require a repair done to your phone you can be assured that you’ll get original Samsung parts, and that you’ll have your device fixed by an Samsung specialist.Plans & Pricing

Samsung care+ plans vary between $3.99 up to $19.99 monthly, based on the type of device you’re protecting. If you have to make a claim due to mechanical failure, there’s not a deduction. The deductible for damage caused by accident claims is $99; the screen repair deductible is 29 dollars.


AKKO was launched in the year 2019, which makes them new to the market however, they’ve gained interest for their affordable insurance plans for cell phones. With coverage options that start at just $5 per monthly, AKKO ranks among the top providers for people with a limited budget.

One aspect that sets AKKO different from other insurance companies is how they handle claims. Instead of providing a substitute device AKKO gives you the money based on the value of replacement for the device, less the deductible. In the same way, if you have repair your phone, AKKO will either send you the amount of repair or make payment directly to the repair shop.

AKKO provides two plans: the Phone Only plan and the Everything Protected plan. Both plans provide basic protection for phones including cracked screens liquid damage and accidental damage (e.g. drops) vandalism, theft and as well as damages that result from natural catastrophes (e.g. flood, fire, etc. ).

The AKKO Everything Protected plan extends coverage for up to 25 additional electronic items, such as laptops, tablets, or video games owned by the insurance company.Plans & Pricing

The AKKO Phone Only plan starts at between $6 and $12 per month or $5-$1 each month if you sign up for the whole year in advance. The deductibles are depending on the model, make model and year of the phone. Repair deductibles usually are between $29 and $75, while the deductible for replacements can range between $75 and $99.

The All Protected option ranges between $12 and $15 per month which is $120-$168 when you purchase the whole year. Similar to similar to the Phone Only plan, deductibles generally range from $29 up or $75 in case of repairs, and the range is $75-$99 for replacements. If you’re a student however, your deductible is reduced to $49.

While you cannot guarantee more than one mobile phone per policy, you could save between 5% and 15 percent in the event you combine more than one insurance policy.

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