Question regarding phone insurance

Discussion in 'General Discussions' started by wallstreet123456, Nov 5, 2009.

  1. polar135

    polar135 New Member

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    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. )
     
    #13 polar135, Nov 5, 2009
    Last edited: Nov 6, 2009
  2. wallstreet123456

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    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.
     
  3. mth04

    mth04 Premium Member
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    That's an interesting stance to say the least. I would have never thought about it.
     
  4. polar135

    polar135 New Member

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    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.
     
  5. jbjtkbw00

    jbjtkbw00 Member

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    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.
     
  6. xMyStiCx

    xMyStiCx Member

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    Do most home insurance companies offer this option? How exactly did you find out about it?
     
  7. polar135

    polar135 New Member

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    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.
     
  8. New2u

    New2u Super Moderator

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

    JoeFresco Member

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    It might work for renters insurance also.
     
  10. wallstreet123456

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    I have state farm homeowners and they said cell phones are not covered, what gives?????
     
  11. inigomntoya

    inigomntoya New Member

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    I have Geico Auto and Geico Homeowners (serviced by Travelers Insurance).

    I just called them up. They cover a mobile phone loss just like any other loss - unless it was stolen from my car (at which point it would go under my car insurance).

    BUT - I would have to pay the $500 deductible. The girl I talked with did say they were researching ways to cover smaller electronics, but currently have nothing.

    So, I am thinking the Verizon insurance for now unless Best Buy comes back with something bigger & better.
     
  12. andymellon4

    andymellon4 Member

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    I asked and th guy at Best Buy told me it was oly $10
     
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