buy cell phones insurance

 Should you buy cell phones insurance?

You probably know someone who went to a mobile phone in the toilet, left his iPhone in a taxi or have lived cell phone type of disaster that has left splits. Will these people benefit from the insurance company? In most cases, insurance does not really save you money while you pay the premiums and deductibles. Experts say you can probably skip the insurance, but also offer advice on how to protect yourself if you lose or destroy your phone.

AT & T, Verizon, T-Mobile and Sprint with Asurion, a third-party insurance. Phone plans cover the loss, theft or damage, including water damage. The manufacturer's warranty usually lasts one year from the date of purchase and is quite limited, for groups of products of certain disorders, but not a drop in the pool. Guarantees are not generally protect against the loss or theft.

Consumer editor at "breaking the phone with his fist" in its claim Asurion, blogs, he was quickly approved and a new phone in hand, the next day. Although this is an extreme case, that something could obviously not subject to safeguards.

What mobile phone insurance

Asurion cell phone costs for insurance of about $ 5 per month with a deposit of $ 50 to $ 100, and must be within 15 to 30 days after the purchase of new mobile phones are purchased. So even if the firm defense, it has its price. For example, if insurance for 8 months and then the replacement phone, your out-of-pocket costs of $ 90 to $ 140, and the crowd will spend more than a month. It's almost as much as they could pay for a new phone anyway. Often when you are ready to sign for another two years, your service with you on the price of labor. About.com "guide with some examples of how much you pay out of pocket for a cell phone coverage in the two-year contract.

The experts say

Almost all industry experts who asked not to recommend an insurance cell phone in most cases. In an article on MSNBC, a reporter found to outweigh the benefits Herb Weiss tree, mainly because of cost and the fact that you can get another phone as a replacement - usually one that is completely renovated. The representative of the Action Network in San Diego utility customers Weiss said the tree that has a lot of complaints from people who bought mobile phone insurance and then had problems when they tried to use gets . Some of these people were very happy to get a refurbished phone in place, while others struggle with the franchise. Talk by CellPhoneForums.net these concerns.

In an article in BankRate.com, the list editor Tamara E. Holmes 10 reasons not to take care of insurance. "You probably will not lose your phone," is on top. Holmes went on that if you have a phone very expensive (over $ 500 approximately), it would have to say is. You might also consider purchasing coverage for the teenager, who can not be as careful as you are. So you may be tempted to take out insurance to buy Apple iPhone, it can not AT & T / Asurion to be sure, perhaps because of its high cost. In addition, you can purchase an extended warranty from Apple for $ 70, covering an additional year on the iPhone's standard one year warranty. (This will not protect you against loss or theft, as well as technical support and repair.) For the iPhone and other smartphones, you can also Safeware Insurance, which covers look like a large number of small electronic devices .

Alternatives Insurance

If you are worried about data loss or breach has a cell phone, there are ways to protect yourself when buying insurance. Holmes also recommends that the discount rate is $ 5 per month in the treasury, but rather than paying premiums. Then, if you break or lose your phone, you can buy money on a new cell phone from the've paid $ 50 or $ 100, you pay for the franchise. She adds that if your phone has remained intact for two years now, you saved $ 120. Others suggest checking eBay for a replacement phone at low prices or backfilling old mobile phones in a safe place as backup. You can easily activate an old phone, if necessary. Suzanne Choney on MSNBC beats to your home and auto insurance policies to see if they can cover their political effects for smartphone.