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It is often said that absent minded people must surely go for the insurance of their smartphones. However a lot many say that it is better and more economical to be careful than to pay hefty premiums and hoe that something unfortunate happens. The above statement are in a lighter tone and don’t take it seriously. We all know the importance of Insurance if it was such a bad thing, no insurance company would have existed for so long. iPad Mini and iPhones are expensive gadgets and it is very pragmatic to get these devices insured to over any risk or liability.
Here are a few common and well known service providers who can cover the risk of your precious possession.
Let us start with Asurion which is a well known insurer of consumer electronics. It has just started a new cover of iPhone insurance which will also cover lost, stolen or damaged devices. The cracked screen is one of the most common insurance claims which were often rejected if the device was otherwise working. Now the cracked screen iPhone will be replaced under the new cover policy.
Asurion is the only insurance cover which has been approved by iPhone and AT&T. Replacing an iPhone in the middle of a contract is not cheap and customers will have to pay the full cost of the iPhone. The repairs of iPhones are also not cheap and a screen replacement can cost $149 and a broken microphone will make you poorer by $99. One more point which must be understood is that the replacement iPhone by Asurion could be a refurbished phone.
AppleCare+: It proffers up to 2 years coverage for a premium of $99. The insurance covers spills, damaged screens, and accidental damages. The insurance cover can be activated 30 days after purchase of the iPhone. However the iPhone insurance does not cover theft or misplacement of the device
GoCare offers iPhone insurance for premiums of $39-$165 for one to three years of coverage. The insurance cover takes care of water and traditional damage, data recovery, support for unlocked phones, and even offers loaner phones. It also does not cover for thefts or misplacement.
AT&T’s mobile insurance: AT&T mobile insurance is a fairly good cover plan for your iPhone though it happens to be a little expensive. AT&T two years iPhone 5 insurance plan costs $199. This is almost twice the cost of the Apple Care+ protection plan offered by Apple. However the advantage is that this plan also covers broken, lost, stolen, and drowned devices, even when out of warranty.
Verizon Much akin to AT&T mobile insurance plan, it offers insurance protection coverage for lost, stolen, and damaged phones. The capping limit is up to two claims per year for $199 per claim. Like AT&T , it also covers the iPhone when the warranty has expired. It costs $9.99 per month.
SquareTrade, Inc.:: Again this plan offers economical iPhone insurance and covers against spills, drops and damages but does not cover theft or misplacement. The price for a two year cover is $99 and for three years it is $129. The insurance must be activated within 90 days of purchase of the device.
Worth Avenue Group iPhone Insurance: One of the most comprehensive iPhone insurance cover which takes care of drops, spills, theft, natural disasters, and more. One two or three year cover is available with unlimited repairs and replacements. The 1 year cover comes at a cost of $89 and a $50 deductible per claim depending on the iPhone model.
The iPad Mini and iPhone insurance is even more important because the warranty which is provided by the manufacturer is valid only for a year and there are many situations where this warranty becomes void. Therefore it is better to have you instrument covered for risks by a third party service provider.