Comparing Phone Insurance

When you purchase a new smartphone, you will want to consider getting insurance. It is easy for life to get in the way and you might lose your phone, break it, drop it, or do something else that will ruin the phone and make it so that you are no longer able to use it properly like you would need. When you purchase mobile phone insurance, you will be able to get a new phone, or at least your current phone fixed, without having to spend all of the money to do so.

Here are some tips that you should follow when it comes to comparing mobile phone insurance.

First you will need to figure out if the plan you are interested in is going to cover any water damage. There are some that will not cover this particular instance and they will not work with you on replacing the phone if there is moisture present.

Compare how much the deductible is going to be. All of the insurance plans are going to have a deductible present. This is an amount that you will need to pay in order to replace your phone before insurance steps in. You will want to find one with a lower insurance deductible in order to save more money.

See what might void your insurance. There are some companies who will not be able to assist you if some things have occurred to the phone. For example, if you unlock the phone in order to use it on different provider’s networks, some companies will not honour this when fixing the phone.

Another thing that you can consider is if the insurance is going to let you have a new phone if yours is damaged or if they are going to stick you with one that is refurbished. These are two separate things; a refurbished phone is one that had something that was wrong with it at some point but it was repaired and then sold again.

Consider how much the insurance is going to cost. Depending on the cost of the phone in the first place, you might not find the insurance cost to be worth it. On the other hand, if you have an expensive smartphone you might find that the insurance is worth your time. Look at the prices that are available through the different insurance companies to see what will be able to provide you with the best deal.