The cost of unplanned cellphone repairs or replacements can run into hundreds of dollars, but the best insurance plan can make it more manageable.
With cellphone insurance, you’ll pay a monthly or annual fee between $5 and $20 per month, and if your device is broken, stolen, or lost, you can repair or replace it by paying a deductible for a small portion of the market value.
Numerous insurance policies give comparable coverage, but the best insurance plans have low deductibles that are affordable.
Keep on reading to get the top 5 best cell phone insurance available in 2022.
Top Best Cell Phone Insurance
1. Asurion
Users of Verizon, AT&T, USCellular, or Sprint have direct access to Asurion’s coverage, and many mobile service providers allow customers to add insurance to their monthly costs.
The cost of this coverage is reasonable and the filing of claims is simple, making Asurion one of the best cellphone insurance in 2022.
If their device is lost, stolen, or destroyed such as broken screens and liquid damage, Asurion policyholders are insured.
Asurion plans also cover some failures and concerns related to regular wear and tear, such as dust buildup or issues with internal heat and humidity.
It is simple to file a claim through the Asurion online site, and policyholders may normally anticipate receiving a replacement phone in the mail even in only 24 hours.
Since not all broken gadgets need to be changed like if they have a cracked screen, customers can bring their issue to one of the more than 650 uBreakiFix by Asurion locations, which will be rebranded at Asurion Tech Repair & Solutions.
They can also arrange for an Asurion technician to visit them at their home or place of business for increased convenience.
Customers can easily choose the optimal repair choice because of the abundance of available options.
The insurance cost depends on the cell service provider, the type of gadgets such as watches and smartphones, and the plan.
The insurance cost for new phones varies depending on the model, with higher costs applied to more expensive or newer phones.
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2. SquareTrade
Allstate provides financial support for SquareTrade, which is promoted as one of the most cost-effective smartphone insurance options.
In comparison to many other insurance companies, it provides affordable multi-device policies with larger claim allowances making SquareTrade one of the best cellphone insurance in 2022.
No matter the carrier or age, SquareTrade insurance covers all smartphone brands and models.
Insurance plans include protection against cracked screens, touchscreen issues, liquid damage, speaker or audio issues, battery issues, and charging port issues.
Coverage includes on-site, same-day, and repairs performed at a nearby repair shop or, if the customer would like, they can mail their phone in for repairs, which normally take two to five days.
SquareTrade permits up to four claims annually per individual device plan, in contrast to many mobile insurance companies which cap yearly claims at two per plan.
And families with various devices, both cellular and non-cellular, will love this insurance because family plans enable up to eight claims per year.
SquareTrade monthly premiums for a single device start at $8.99, but users can cover numerous devices for just $19.99.
A monthly upgrade from SquareTrade costs $12.99 and adds extra features including premium tech support, Allstate Roadside Assistance, and identity theft recovery.
3. AppleCare+
With AppleCare+, it’s simple to safeguard a phone and receive continuing assistance from professionals who are familiar with the hardware, software, and applications that distinguish Apple products from other brands.
AppleCare+ is one of the best insurance choices for iPhone customers in 2022.
Two alternative insurance are available from AppleCare: AppleCare+ and AppleCare+ with Theft and Loss.
Both insurances give coverage if a battery retains 80% or less of its original charging capacity and cover up to two incidences of unintentional damage protection per year.
While AppleCare+ with Theft and Loss offers supplemental protection if the gadget is taken or misplaced.
An AppleCare+ account provides prepaid shipping, onsite services such as screen repairs, quick replacement services, and 24/7 priority access to Apple professionals through phone or chat.
Customers with AppleCare+ can also take their device for in-person repairs and troubleshooting to any Apple Store or Apple Authorized Service Provider.
If you want to get the AppleCare+, do it within 60 days after the iPhone purchase because if that window closes, you might need to go to an Apple Store to add a policy.
For a fixed duration of two years, AppleCare+ insurance on new models normally costs $199 or $9.99 per month while the monthly cost of AppleCare+ with Theft and Loss is around $11.49.
The cost for screen repairs is $29, the cost for lost or stolen phones is $149, while the cost for other kinds of damage is normally $99 per incident.
4. Samsung Care+
Like AppleCare+, Samsung Care+ makes use of the skills of Samsung professionals to provide users with reasonably priced and trustworthy repairs.
Samsung Care+ is the top insurance service for Samsung consumers in 2022.
Screen cracks, liquid spills, and accidental damage are all covered by Samsung Care+ insurance policies.
After the 12-month manufacturer warranty expires, policyholders also receive an extended warranty that covers mechanical and electrical failures.
Customers of Samsung Care+ may benefit from round-the-clock assistance and rest easy knowing that their phones will only be fixed by a Samsung technician using genuine Samsung parts.
The cost of a Samsung Care+ policy varies depending on the insured device and the need for the service such as accidental damage or a screen repair.
5. AKKO
AKKO, a relatively new player on the market, founded in 2019, has drawn notice for continuously low-cost smartphone insurance policies.
One of the finest solutions for those on a tight budget is AKKO, which offers coverage options starting at just $5 per month.
How AKKO handles claims is one element that differentiates them from other insurance companies.
Customers won’t automatically get a replacement gadget but will offer them cash based on the equipment’s replacement worth less than the deductible.
AKKO will also either provide the monetary value of the repairs or directly pay the repair shop if they need to have their phone fixed.
The Phone Only plan and the Everything Protected plan is the two options that AKKO offers and both packages provide basic phone services protection, which covers liquid damage, dropped objects, broken screens, theft, vandalism, and natural disaster-related damages.
Up to 25 additional electrical products, including any tablets, laptops, and video games that the policyholder owns, are covered by AKKO’s Everything Protected plan.
The price range for AKKO’s Phone Only plans ranges from $6 to $12 monthly or $5 to $11 if the consumer chooses to pay for the complete year at once.
The normal repair and replacement deductible are affected by the phone’s make, model, and year with ranges from $29 to $75 and $75 to $99.
The price range for the Everything Protected option is $120 to $168 when paid for a year, or $12 to $15 each month.
Similar to the Phone Only plan, repair, and replacement deductibles usually run from $29 to $75 and $75 to $99.
Conclusion
With cellphone insurance, you can safeguard your equipment and save it from needing expensive repairs or replacements.
When choosing an insurance service, ensure you check for additional elements like bundle discounts, multi-device possibilities, and client testimonials.
With the information in this article, you can now find the top best cellphone insurance company in 2022.
