Posted on 05/10/2017 3:47:39 PM PDT by PJ-Comix
Well, the good news is that my wife and I have officially entered the 21st century today since our new Samsung Galaxy S7 Edge phones arrived today. I also ordered a couple of glass screen protectors for them. I will also be getting cases. And I am also interested in getting insurance for them. Therefore I am asking for advice on the best/cheapest cell phone insurance plans. Here is what I need covered:
1. Damage to cell phone.
2. Loss of cell phone.
3. Theft of cell phone.
I seem to remember Laura Ingraham about a year ago advertising for what sounded like good cell phone insurance. If anybody out there knows which insurance it was, please let me know the name plus any details on coverage.
Your regular home owners or renters insurance might cover them.
I solve that problem by buying cheap phones. You can do 90% as well with a $100 phone, that you can with a $500 phone. I just bought my wife a nice one for $50. Does everything she needs, much better than the 2 year old phone she had before that cost 300
Can’t help you with any independent providers. I’ve had mine covered through Verizon Wireless for several years now.
The mo-rons I work for transitioned from Windows phones to iPhones. That wasn’t the moronic part - when they did they went from basically a free device (plus data & voice plan) to a $500 device (plus data & voice plan). Still not mo-ronic....when they moved to the expensive phones they didn’t purchase the protection program.
These are pretty little gizmos but they are fragile as all get-out and the (damage) fail rate is eating us alive.
Don’t be a mo-ron - get the insurance!
I protect my electronics with protective skins from Decalgirl or Skinnit. Then a screen protector and several cases. I like a rubber or rubberlike case for day use and a wallet case for if I make a shopping trip to the city.
Get insurance that covers replacement for maybe two years. After two years if you still like that model you can get a used or refurbished one cheaper than maintaining the policy.
The biggest thing I have done to protect my phones and electronic book readers is to invest in an entire wardrobe of fishing guide shirts to carry my devices at chest height. They never get banged or bumped or squeezed. That may not be an option depending on dress codes with your employer.
I admit to being more absent minded than the average person, still cell phone insurance is a great idea for anyone. Through water damage and loss, I probably have had half a dozen expensive smart phones replaced over the last few years. I think I pay Verizon an extra $10 per month for the insurance. The must be losing money on me, but, even so, the premiums have never gone up.
Spend the money and get an OtterBox Defender series case. I ran an I-Phone over with a forklift in one of those cases. Destroyed the case but the phone was unscathed.
What did it do to you?!
:)
Handle it as if it were a butterfly that cost you $20,000 to own.
2. Loss of cell phone.
Make SURE that you always have it with you or know it is within reach.
3. Theft of cell phone.
See #2.
My first purchase after I got my iPhone was an otterBox ... last week, out of nowhere, there was moisture inside the case, on my phone and I could not use certain functions on the phone or keyboard ... total panic. I ran, ok, drove to the nearby Verizon Wireless store where the tech fixed it in about 10 seconds, but he did point out that even with the Otterbox, there are those small holes that can allow moisture in.
Forget $500, the new Samsungs are close to $900.
I had stuff stolen out of my car and my homeowners insurance covered it. And I had full replacement cost.
Um...no. The apps I can use with the better phone will save me MORE that what the better phone will cost me. Plus I will have a BETTER phone.
IMHO the Samsung Galaxy S5 is the Best refurbished phone for less than $119. (Replaceable $9 LiIon 2800 maH batteries, water resistant, SOLID operation)
Screw the insurance with its $9/mo payments and $100+ deductible.
Get a refurbished S5 phone, synch device to device backups regularly and use refurbished phone for high damage risk applications, ie: water trips / taking pictures from ski lifts, etc. ;n)
https://www.amazon.com/gp/offer-listing/B00IZ1XVAC
Samsung Galaxy S5, Black 16GB
Used, Very Good
$119.49 Free Shipping for Prime Members
In Stock
It’s always cheaper to take the risk and not buy insurance.
Since I turned down the insurance on the wheels of the first lease, I saved whatever monies that may be needed if one of the rims on this new car goes out.......
Bottom line, you're wasting your money on insurance on a smart phone. Just take care of the damn thing.........
Today I was walking outside and pondering whether to start using the Galaxy S7 edge for a few days BEFORE I got the glass screen protectors. Right then my old cell phone rang and when I reached for it, the phone slipped out of my hand and landed flat on some grass...inches from the sidewalk. That was the moment that I decided I better wait for the screen protectors to arrive.
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