Mobile Insurance: Protecting your iPhone or Cell Phone

Mobile Insurance: Protecting your iPhone or Cell Phone

A slip of the hand, a drop to the ground, or an accidental spill – and just like that, the phone you rely on so much is damaged or completely unusable. On top of that, the cost of repairing or replacing your phone can be a shock to your wallet. Your manufacturer’s warranty won’t cover accidents like these, leaving you to deal with it on your own. But that doesn’t have to be the case if you have reliable phone insurance in place.

Why get Mobile Insurance?

Phone mishaps happen all the time, but with insurance for your iPhone or Android, you have a safety net when they do. Whether it’s a cracked screen, water damage, or even a stolen phone, insurance can cover repair or replacement costs, so you’re not stuck paying out of pocket. Here’s why it’s worth having:

Insurance covers what your warranty doesn’t

The manufacturer’s warranty that came with your phone covers mechanical defects or failures, and even that’s limited to a certain period. What it doesn’t cover are the things you’re more likely to face, like cracking your screen, dropping your phone in water, or having it stolen. And that’s precisely what phone insurance is for – it protects you when life gets messy.

Accidents are common

Did you know a cracked screen is one of the most common smartphone issues? It only takes a second – a quick drop to the floor, an accidental knock off a table, or a slip from your pocket – to leave your phone with an unsightly crack. These things happen more often than we’d like to admit. And when they do, insurance has your back.

Phone repairs are costly

Smartphones aren’t cheap to fix, especially if you’re dealing with a cracked screen or liquid damage. Repairs can easily run into hundreds of dollars. For example, repairing a cracked iPhone screen can cost up to $379! Repairs for liquid damage can cost anywhere from $100 to $600, depending on the extent of the damage and the components that need replacement. Insurance can save you from these unexpected expenses.

Theft can leave you with a high replacement cost

Losing your phone to theft is both stressful and costly. If your phone gets stolen, it’s not just the inconvenience of losing your device – you’re also out the money you spent on it and stuck with the cost of buying a new one. Insurance can help you replace your phone without the need to spend hundreds out of pocket on a new one.

Insurance is affordable

Getting insurance for your phone is way cheaper than dealing with expensive repairs or buying a new one if it gets stolen or damaged beyond repair. For just a few dollars a month, you can be covered for cracked screens, accidental spills, drops, and theft, which is a small price to pay for the protection you get.

Peace of mind is everything

While insurance might seem like an unnecessary expense at first, the moment you need it, it becomes a true lifesaver. There’s nothing more comforting than knowing your valuable device is protected. You don’t have to panic every time your phone takes a tumble or worry about accidents and theft when you’re on the go. That peace of mind is worth every penny.

What does Mobile Insurance cover?

Phone insurance typically covers accidental damage and theft to your device. But Worth Ave. Group’s insurance plans cover a lot more than just the basics so that you can be protected from all sorts of unexpected events. Here’s what’s covered with our iPhone Insurance or Cell Phone Insurance plans:

• Cracked screens
• Spills and liquid submersion
• Accidental damage (drops)
• Theft and vandalism
• Fire, flood, and natural disasters
• Power surge by lightning

Worth Ave. Group’s insurance plans come with unlimited claims, so you’re covered no matter how many times you accidentally crack your screen or drop your phone in water.

While most insurance providers cover only new phones, Worth Ave. Group offers protection for used or refurbished phones as long as there is no pre-existing damage. So, whether you bought your phone yesterday or a year ago, you can get a policy that works for you.

	Worth Ave. Group Mobile Insurance	Protection Plan	Extended Warranty	Renters / Homeowners Personal Property
Accident Coverage	✓	✓	No	No
Theft Coverage	✓	Sometimes	No	✓
Used or Refurbished	✓	Sometimes	No	✓
Purchase Anytime	✓	Sometimes or restricted to 60 days after purchase	No	✓
Natural Disasters (Flood)	✓	No	No	No
Unlimited Claims	✓	Usually limited	✓	Yes, but with a high deducticle
See how Worth Ave. Group compares to simlar programs like AppleCare.

What doesn’t Mobile Insurance cover?

While insurance provides valuable protection for your iPhone or Android, there are limits to what it covers. Worth Ave. Group’s insurance plans don’t cover the following:

• Intentional damage
• Cosmetic damage
• Natural wear and tear
• Lost devices
• Unauthorized repairs
• Pre-existing damage
• Manufacturer defects (these are covered by your phone’s warranty)

Be sure to review your policy carefully so you know exactly what is and isn’t covered.

How much does Mobile Insurance cost?

The cost of iPhone or cell phone insurance can vary widely based on factors like your device’s value, your chosen plan, and the insurance provider.

Worth Ave. Group has some of the most affordable premiums and lowest deductibles available, providing comprehensive protection without breaking the bank. For example, you can insure an $800 iPhone for just $7.33 a month (billed annually) or a $700 Samsung Galaxy for just $6.83 a month (billed annually).

Given the potential costs of phone repairs or replacements, you can easily see how much you can save in the long run by having phone insurance.

Should I get Mobile Insurance?

Insurance isn’t just for the careless – it’s for the smart, prepared ones, too. When you rely on your phone daily and can’t afford sudden repair or replacement, insurance can be worth it, especially if:

• Your phone is expensive: The more it costs, the more you’d have to pay out of pocket to repair or replace it if something goes wrong.
• Your kids have phones: Kids and teens are great, but they’re not great at keeping phones safe.
• You’re accident-prone: If you’ve cracked a screen or dropped your phone before, insurance might save you next time.
• You travel a lot: Phones are at even greater risk of damage or theft during travel.
• You use your phone for work or school: If your phone helps you stay organized or get things done, insurance makes sure you’re not left without a working device for too long.
• You lead an active lifestyle: Running, hiking, or working out can put your phone at risk of accidental damage.

Think about how not having your phone would impact your daily activities should something unexpected happen to it – insurance might just be the smartest move you make this year!

How do I get Mobile Insurance?

Getting insurance for your iPhone or Android is quick and easy at Worth Ave. Group. You can grab a free online quote for your device, and it only takes minutes to set up your policy.

If you’re looking to protect your iPhone, get a free iPhone Insurance quote!

If you want to protect your Samsung Galaxy, Google Pixel, or any other type of Android phone, get a free Cell Phone Insurance quote!