Insurance, Droid X, and Cold Hard Cash

[Got2BAndroid]

Do you believe that insurance on your Droid X is worth your cash?

[RJS5689]

Absolutely! Coming from over 4 iPhones before my Droid I always missed insurance. I was sick of paying $400+ for a new phone due to damage. At least now if I damage my phone I can get a replacement.

[littlerick]

i would think so, its $600 to replace without contracts. atleast the 1st year or until they get cheap on ebay

[kdkinc]

Do you believe that insurance on your Droid X is worth your cash?

to be harshly blunt if you don't get insurance some would say your a idiot.
I would say you don't deserve the phone.

read the I jumped in the lake thread.

No one wants to pay for insurance until they need it...

[BuckeyB]

I checked with my homeowners insurance and took out a "computer" endorsement/attachment to my homeowners policy. The min coverage is for $5,000 with a $50 deductible. It covers all my computers including my droid phone. Yearly cost is .... $19.

[xeene]

I've had cell phones for over 15 years and never once did i need a replacement due to damage caused by me. Some people take better care of their things hen others. If you are a clumsy slob then yes you will need insurance.

[Happyappy]

I checked with my homeowners insurance and took out a "computer" endorsement/attachment to my homeowners policy. The min coverage is for $5,000 with a $50 deductible. It covers all my computers including my droid phone. Yearly cost is .... $19.

That's an interesting concept...never considered that. Does this cover accidental "user-inflicted" damage as well as loss or theft?

I've never had insurance; and in over 18 years of owning cell phones, never needed it. I figure I've saved enough to be self-insured by now.

That said...19 bucks a year buys a lot of peace of mind.

[dangerous]

I checked with my homeowners insurance and took out a "computer" endorsement/attachment to my homeowners policy. The min coverage is for $5,000 with a $50 deductible. It covers all my computers including my droid phone. Yearly cost is .... $19.

Thats a good deal. I will have to check that out..

[ChugIt]

I don't trust insurance companies. I have insurance on mine because it is specifically for my Droid. I think a homeowner's policy would be quite a hassle in most cases. The first time you may be ok if you break it climbing into the attic or something. The second time I could see the insurance company trying to get out of paying when it falls off the kitchen counter or something. Maybe I'm wrong, and I hope I am, but I just don't know if I would trust Allstate to pay for my Droid.

[kdkinc]

I checked with my homeowners insurance and took out a "computer" endorsement/attachment to my homeowners policy. The min coverage is for $5,000 with a $50 deductible. It covers all my computers including my droid phone. Yearly cost is .... $19.

Great deal! Can't do that in Florida at least with Cotton States Insurance