Cell phone insurance thru your carrier?

[SamuelA]

@filmore

If you have an unused phone that still works, you probably don’t need the insurance. You could just switch to that phone instead until you figure out a replacement. If you had to save up to afford a new phone, you could use the backup in the meantime.

This is not efficient, however. It’s better to sell your old phone (unless it’s so old that it’s worthless) and in the event you need to purchase a replacement, most scenarios it will be years later and you could just buy your old phone back for less than you sold it for.