Our phones are part of almost every aspect of our daily lives. We take them everywhere, and rely on them for so much more than simple communication. Unfortunately, this also means they're among the most likely products we own to get damaged. From drops to water damage to overheating and more, there's a lot that can go wrong with our phones that we can't afford to let happen.
This is where phone insurance comes in. When our phones are covered by insurance, they're supposed to be protected in case of any accidents or damages. However, this is not always the case. In fact, phone insurance often falls short of providing complete coverage, which is why it's important to be informed about what exactly your phone insurance policy includes.
If you're looking for product protection that covers practically everything you buy online, subscribe to Mulberry Unlimited. For just $9.99 a month, you'll get coverage for all types of accidents, damage, and more, complete with unlimited claims and access to 24/7 customer support. There are never any deductibles or hidden fees, for the ultimate peace of mind.
How does phone insurance work?
Many phone manufacturers offer some sort of phone insurance or warranty coverage. For example, Apple iPhone insurance, also known as AppleCare, is offered by Apple for the first year of ownership. You then have the option to extend your coverage with AppleCare+, with the cost and amount of coverage varying depending on your plan and device.
Typical phone insurance provides coverage for incidents including accidental damage, battery failure, theft, and loss.
What are common myths about phone insurance?
Let's take a look at some of the more common myths about phone insurance, so you can know what's covered.
You're always covered
One of the most common myths surround phone insurance is that you're covered no matter what. While many phone insurance plans cover things like accidental damage, battery failure, and more, there's also more of a process to actually getting a payout or replacement phone due to these issues than the insurance providers would like you to believe.
Insurance companies are there to help
Although insurance companies might try to come across as helpful, they are ultimately looking to make money. This means the needs of their customers aren't always the most important, so it's important to stay informed of what your insurance policy covers, and advocate for yourself when necessary.
You can file a claim any time you have an issue
This is one of the more common misconceptions about phone insurance. In fact, the majority of plans have a cap on the number of claims you can file per year, which means if your phone gets damaged and you've already hit your claims limit, you're out of luck. For example, the Samsung Galaxy insurance, also known as Samsung Care+, only lets you file up to three claims per year.
The claims filing process overall can be prolonged and confusing, and insurance providers will often go to great lengths to ensure your claim is denied. And, if you have coverage through a manufacturer and have an issue outside of a manufacturer defect, it's highly unlikely you'll be covered. Thankfully, with Mulberry Unlimited, the claims process is easy and straightforward, and you can file unlimited claims with no deductibles or hidden fees.
You'll get a brand new phone if yours is damaged
This is false. Depending on the phone insurance provider and the terms of your coverage, if your original phone gets damaged, lost, or stolen and you end up needing a replacement, you might get an older refurbished model, or even a different phone altogether. Phone insurance companies are under no obligation to give you a like-for-like replacement, and you can end up getting the short end of the stick.
What are phone insurance alternatives?
Phone insurance isn't your only option if you're looking to protect your phone from damage and accidents. For starters, taking preventative measures like purchasing a phone case or screen protector can help safeguard your phone in case you drop it or spill liquid on it.
There's also the option to fix your phone yourself if it gets damaged, or take it to an independent repair shop. If you know what you're doing and the damage is relatively minor, repairing your phone yourself can be an inexpensive route. Additionally, repair shops like uBreakiFix and CPR Phone Repair can fix your phone for relatively cheap. Just beware that third party repair services can sometimes void phone insurance plans and manufacturer warranties.
Lastly, one of your best choices is to subscribe to Mulberry Unlimited. You'll get coverage for all your electronic devices under the same product protection plan, for just $9.99 a month. That means you're covered in case of cracks, breaks, spills, and more, all with unlimited claims and no deductibles or hidden fees.
Is phone insurance worth it?
Whether or not phone insurance is worth it for you depends on your needs. For example, if you absolutely rely on your phone at all times, phone insurance is probably a good idea so you won't have to go without it for extended periods if something happens. Additionally, if you can't afford to replace your phone if it breaks, you should probably buy insurance so you aren't stuck with a repair or replacement cost you can't pay.
Alternatively, if you tend to take pretty good care of your phone, don't rely on it for work, have a case and screen protector, and can afford to repair or replace it if necessary, you might not need phone insurance. That said, accidents happen, and it's always a good idea to be prepared for the worst.
Get protection with Mulberry Unlimited
If you're on the fence about phone insurance, give a product protection plan a try. When you subscribe to Mulberry Unlimited, you'll get coverage for your electronic devices and more under the same product protection plan, for just $9.99 a month. That means you're covered in case of any accidents, damage, and anything else that might happen to the devices you use most.
