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Started By
Message
Cell phone insurance
Posted on 4/17/24 at 11:01 am
Posted on 4/17/24 at 11:01 am
What, if anything, do you guys use for phone insurance?
Maybe a better deal out there, but I have a Wells Fargo autograph credit card that gives 3% back on my cell bill and provides free insurance up to $600 (each claim) for two claims a year on any phones on the plan I pay with the credit card. $25 dollar deductible. No Annual fee.
I've used it twice since I got it. Once for my son breaking his screen last year and just this year due to my 4 year old phone USB charging port wearing out.
Submitting a claim is a little bit of a pain as you have to take it to a repair place and get a diagnosis and detailed estimate to fix and an estimate to replace. Then include a screenshot/pdf printout to show...
1. You paid the last cell bill with the credit card.
2. That specific model phone is tied to your cell account.
Was pretty easy to do with the second claim since I had done it before and knew exactly what all they wanted.
Anyway, maybe something better out there, but for free I think it's a pretty sweet deal. It also has some other decent cash back % on travel, certain streaming services, etc. There are some other cards that offer it as well or close to it like chase freedom flex.
They did pay me both times pretty quickly once I submitted what they wanted with no issues and paid me over what the phone was worth at the time according to several places I could have purchased it from.
Maybe a better deal out there, but I have a Wells Fargo autograph credit card that gives 3% back on my cell bill and provides free insurance up to $600 (each claim) for two claims a year on any phones on the plan I pay with the credit card. $25 dollar deductible. No Annual fee.
I've used it twice since I got it. Once for my son breaking his screen last year and just this year due to my 4 year old phone USB charging port wearing out.
Submitting a claim is a little bit of a pain as you have to take it to a repair place and get a diagnosis and detailed estimate to fix and an estimate to replace. Then include a screenshot/pdf printout to show...
1. You paid the last cell bill with the credit card.
2. That specific model phone is tied to your cell account.
Was pretty easy to do with the second claim since I had done it before and knew exactly what all they wanted.
Anyway, maybe something better out there, but for free I think it's a pretty sweet deal. It also has some other decent cash back % on travel, certain streaming services, etc. There are some other cards that offer it as well or close to it like chase freedom flex.
They did pay me both times pretty quickly once I submitted what they wanted with no issues and paid me over what the phone was worth at the time according to several places I could have purchased it from.
This post was edited on 4/17/24 at 11:21 am
Posted on 4/17/24 at 11:15 am to NATidefan
I buy it through Apple with the Theft rider. Don't ask me if it's a good deal. I just figured they'd be the best ones to replace or fix it.
Posted on 4/17/24 at 11:50 am to NATidefan
quote:
Maybe a better deal out there, but I have a Wells Fargo autograph credit card that gives 3% back on my cell bill and provides free insurance up to $600 (each claim) for two claims a year on any phones on the plan I pay with the credit card. $25 dollar deductible. No Annual fee.
Have used this twice as well. I think this is the best you can do for free
Posted on 4/17/24 at 5:35 pm to NATidefan
Never knew this was a thing until this thread.. Does not look like Chase offers it through their sapphire cards though. I would never pay for insurance on a phone, but the credit card perk is something to keep in mind
Posted on 4/17/24 at 9:21 pm to NATidefan
AMEX platinum card offers cellphone coverage “….reimbursed for your repair or replacement costs following damage or theft up to $800 per claim”. I have the card but never had to use the coverage.
Posted on 4/18/24 at 2:51 pm to NATidefan
So I just upgraded to the new galaxy ultra. During preorder they offered a deal, it was $60 total one time payment for 2 years of insurance. Was way too good to pass up!
Posted on 4/18/24 at 6:42 pm to NATidefan
I've never considered buying insurance for any of our phones. Not sure how much it even costs. Cases & screen protectors have always accomplished their purpose for us in the past.
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