Question regarding phone insurance

[New2u]

Yeah, it's a Monthly Fee, I just used the insurance yesterday on my GF's Moto Flip phone. It, kind of took a bath in her purse on Halloween Night

The Phone call was painless. I Paid my 50 bucks, I am now waiting for it to show up via UPS. Refurb is better than having to buy a new one.

There's a trick to cell phones and getting wet. If you take the battery out and put the phone in a bag of rice (something similar), and leave it sit for about 2 days, alot of the times it will turn back on. Proven to work (at least in my cases), 3 of my coworkers have done it already, one cell phone took a dive in a toilet, and 2 others were drenched in rain.

[inigomntoya]

The Best Buy insurance is supposed to be even better. I saw a little info on it when I did my pre-order. I'm going to compare it to what VZW offers and I may make the switch, but yes, I ALWAYS take the insurance because I don't want to be on the other end of the statement 'Awww, you should have had insurance.'

Do you remember the details of the Best Buy plan?

It looks like they offer a service plan for the iPhone at $15/mo. but no deductible on your claim.

Has anyone had any experience with Best Buy's mobile service plans?

[polar135]

I personally have added my BB smart phones to my wifes wedding ring personal articles policy. It only cost me about 3 bucks a month, and then i am for sure getting a new phone, not of the Refurb crap that they some times send out. With state farm, i have no deductible on the phone. (note phone has to have a retail value of $500 or more to add it to my policy. )

[wallstreet123456]

But how long would it take to get a new phone? I am sure y ou could be without one for a week going through your home owners insurance.

[mth04]

I personally have added my BB smart phones to my home insurance. It only cost me about 3 bucks a month, and then i am for sure getting a new phone, not of the Refurb crap that they some times send out. With state farm, i have no deductible on the phone. (note phone has to have a retail value of $500 or more to add it to my policy. )

That's an interesting stance to say the least. I would have never thought about it.

[polar135]

But how long would it take to get a new phone? I am sure y ou could be without one for a week going through your home owners insurance.

I would file the claim and go pick up the new phone, same day (payout of my own pocket for the new phone) and then wait for the check from the insurance company. as far as how long it takes to get a check, i can only go off past experence when i got in a car accident. I had the money within a week, in that case.

I rather do this then get a refurb phone. IMO.

[jbjtkbw00]

I think the Best Buy plan gets you a NEW phone. I'm going to stop in there today and ask about it before I pick mine up tomorrow so I can make some decisions.

[xMyStiCx]

I personally have added my BB smart phones to my home insurance. It only cost me about 3 bucks a month, and then i am for sure getting a new phone, not of the Refurb crap that they some times send out. With state farm, i have no deductible on the phone. (note phone has to have a retail value of $500 or more to add it to my policy. )

Do most home insurance companies offer this option? How exactly did you find out about it?

[polar135]

I personally have added my BB smart phones to my home insurance. It only cost me about 3 bucks a month, and then i am for sure getting a new phone, not of the Refurb crap that they some times send out. With state farm, i have no deductible on the phone. (note phone has to have a retail value of $500 or more to add it to my policy. )

That's an interesting stance to say the least. I would have never thought about it.

I look at it this way. If i have phone 4 2 years. (LOL yea right, i upgrade every year it seems now,) but the cost of Verizon insurnace is $144 for the two years, ($194 if you loss or replace the phone 1 time),

Vs

With my insurance company, over two years, i would only pay $72. and even if it lose it one time, its still only $72.

[New2u]

Definitely some nice information about the home insurance thing. Well for those that have a home