# Do you have an insurance plan on your cell phone? **URL:** \ **Category:** In My Humble Opinion\ **Created:** [October 28, 2013, 8:01pm UTC](https://boards.straightdope.com/t/do-you-have-an-insurance-plan-on-your-cell-phone/672479 "2013-10-28T20:01:33Z")\ **Posts on this page:** 9\ **Page:** 2
**Author:** ![pullin](https://avatars.discourse-cdn.com/v4/letter/p/c57346/32.png) [@pullin](https://boards.straightdope.com/u/pullin)\ **Post date:** [October 30, 2013, 2:25am UTC](https://boards.straightdope.com/t/do-you-have-an-insurance-plan-on-your-cell-phone/672479/21 "2013-10-30T02:25:13Z")
Apparently so. I didn’t realize it until after I jumped off the boat (with it in my pocket). I sheepishly returned to the phonestore with my almost-new, dripping Galaxy and discovered [drum roll] I somehow had insurance and didn’t know it. $50 bucks later I have a new(er) Galaxy. True story: When I came home with the smartphone, I was the last one in the family to get one (everyone else had long switched to iPhones). My daughter texted the following to my wife: “Kicking and screaming are the foolish dragged into the twenty-first century… Dad has a smartphone!” [Har-dee har har :rolleyes:] ---
**Author:** ![Grrr](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/grrr/32/146_2.png) [@Grrr](https://boards.straightdope.com/u/Grrr)\ **Post date:** [October 30, 2013, 2:35am UTC](https://boards.straightdope.com/t/do-you-have-an-insurance-plan-on-your-cell-phone/672479/22 "2013-10-30T02:35:19Z")
No, I’m not paying $10 a month for a hundred dollar phone. ---
**Author:** ![What\_the](https://avatars.discourse-cdn.com/v4/letter/w/f4b2a3/32.png) [@What\_the](https://boards.straightdope.com/u/What_the)\ **Post date:** [October 30, 2013, 3:09am UTC](https://boards.straightdope.com/t/do-you-have-an-insurance-plan-on-your-cell-phone/672479/23 "2013-10-30T03:09:33Z")
See if you can add it to your homeowner’s insurance. We have and it is super cheap…like $10 a year. However, multiple claims (even small ones) can cause your coverage to increase… or so I am told. ---
**Author:** ![jabiru](https://avatars.discourse-cdn.com/v4/letter/j/bbce88/32.png) [@jabiru](https://boards.straightdope.com/u/jabiru)\ **Post date:** [October 30, 2013, 7:18am UTC](https://boards.straightdope.com/t/do-you-have-an-insurance-plan-on-your-cell-phone/672479/24 "2013-10-30T07:18:20Z")
I don’t and never have had. I have an iPhone 4S and my previous phone was a 3GS. Before that I had Nokias which you couldn’t kill with a brick. iPhones are more fragile but I dropped my 3GS once and only cracked the cover so I reckon I’m way ahead, should my current phone either break or get stolen. ---
**Author:** ![MannyL](https://avatars.discourse-cdn.com/v4/letter/m/ba8739/32.png) [@MannyL](https://boards.straightdope.com/u/MannyL)\ **Post date:** [November 1, 2013, 10:59pm UTC](https://boards.straightdope.com/t/do-you-have-an-insurance-plan-on-your-cell-phone/672479/25 "2013-11-01T22:59:12Z")
I have two insurance plans on my phone, One from Square Trade covers everything except loss and the plan from Verizion covers loss. The deductible is lower on the Square Trade one. Going without insurance is not a good idea for me because I _MUST_ pay full retail for my phones. (If I upgrade I lose my unlimited data) ---
**Author:** ![jenn128](https://avatars.discourse-cdn.com/v4/letter/j/258eb7/32.png) [@jenn128](https://boards.straightdope.com/u/jenn128)\ **Post date:** [November 12, 2013, 7:46pm UTC](https://boards.straightdope.com/t/do-you-have-an-insurance-plan-on-your-cell-phone/672479/26 "2013-11-12T19:46:36Z")
I use an outside party for insurance. When I had insurance through my carrier they never solved any problems that I had wrong with my phone. I was basically paying for insurance yet they could do nothing for me besides telling me to buy a new phone. My sister uses Protectcell for her families’ phone insurance so I hopped on the bandwagon and went with that. The plans are fairly inexpensive for the amount that they cover. I pay $140 for a 2 year plan for my iphone insurance. [http://www.protectcell.com/Home.aspx](http://www.protectcell.com/Home.aspx) ---
**Author:** ![Morgenstern](https://avatars.discourse-cdn.com/v4/letter/m/f9ae1b/32.png) [@Morgenstern](https://boards.straightdope.com/u/Morgenstern)\ **Post date:** [November 12, 2013, 7:49pm UTC](https://boards.straightdope.com/t/do-you-have-an-insurance-plan-on-your-cell-phone/672479/27 "2013-11-12T19:49:49Z")
I’m careful with my phone. I have no insurance plan on it. Knock on wood. ---
**Author:** ![Dewey\_Finn](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/dewey_finn/32/4222_2.png) [@Dewey\_Finn](https://boards.straightdope.com/u/Dewey_Finn)\ **Post date:** [November 12, 2013, 9:38pm UTC](https://boards.straightdope.com/t/do-you-have-an-insurance-plan-on-your-cell-phone/672479/28 "2013-11-12T21:38:22Z")
Reported post by **jenn128** as spam. ---
**Author:** ![Darryl\_Lict](https://avatars.discourse-cdn.com/v4/letter/d/7cd45c/32.png) [@Darryl\_Lict](https://boards.straightdope.com/u/Darryl_Lict)\ **Post date:** [November 12, 2013, 9:57pm UTC](https://boards.straightdope.com/t/do-you-have-an-insurance-plan-on-your-cell-phone/672479/29 "2013-11-12T21:57:22Z")
My first smart phone was pretty expensive. It was about $500 and I managed to lose it twice in a month. This made it completely worthwhile to have the outrageously expensive insurance. After that, they canceled the insurance. Oddly enough, I never lost it until my plan had paid for it. I canceled my insurance on my current phone once I had about 4 months left on the plan as it was really no longer cost effective. I’m just going to buy a new phone as soon as I lose this one or it craps out. [Previous page](https://boards.straightdope.com/t/do-you-have-an-insurance-plan-on-your-cell-phone/672479.md?page=1)