About Phone Insurance

Introduction

With the high cost of cellphones these days, cellphone insurance is a smart idea. Phone insurance pays a portion of the cost to replace a lost or damaged phone. For those who choose not to add phone insurance when they buy a new phone run the risk of something happening to their phone which will require them buying a new one and paying the entire cost. Phone insurance is not overly expensive and it is well worth the cost. Whenever you buy a new phone if phone insurance is not offered, you should make it a point to ask to have it included on your plan. This is especially important for those who are prone to dropping or damaging their phones. Insurance will usually coverage dropped phones, phones that are damaged in water and those that are lost or stolen.

History

Mobile phones are expensive. These days spending a few hundred dollars on a phone is not unheard of. Not only is not unusual, but it is quite common. New technology is developed, this technology leads to phones that have more features.

We have all become so used to having and using our mobile phones that we feel lost without them. People are attached to their phones.  When new and better phones come out, people are willing to pay the price to get them. Now when something happens to these phones that we are so attached to, it is a stressful situation. When you have phone insurance, you can call your carrier, pay the deductible that is required and have your phone repaired or replaced. On the other hand, if you decided to forgo phone insurance, you are then faced with having to come up with a few hundred dollars to replace the phone.

Features

The newer your cellphone is, the more sense phone insurance makes. For those with older phones that are outdated paying a monthly insurance charge may not make sense. However, for other newer more expensive phones, the monthly charge is generally only a couple of dollars per month.

Monthly charges and deductibles will vary from carrier to carrier. It is a good idea to check yours. Phone insurance is something that will usually have to be added to your account within a day of so of buying a phone. It is not something that can be added on later. Before agreeing to add insurance to your plan be sure to read the contract. You will want to know what is and is not covered. Certain insurance plans may not coverage some items, such as a cracked screen. You will want to know this ahead of time.

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