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Last Updated: October 14th, 2013

Phone insurance isn't an exciting topic. But it is a topic a lot of people have questions about, particularly when it comes to two things: who's the best, and is phone insurance actually a good investment? As you'll see, those questions don't really have an easy answer. But I'm going to break down a few of the US's most popular insurers, alternatives (like your homeowners policy), and explore whether phone insurance is even actually a good idea given your individual needs.

Asurion

ASAlogo

Asurion is an extremely popular phone insurer, but most Asurion policyholders may not even know they're with the company, which does not actually sell insurance directly to consumers. Rather, Asurion works with three of the big four US carriers (and numerous others) as their officially endorsed subscriber phone insurance provider. As such, cost, deductibles, and coverage vary by which carrier you're with to a significant degree, though most of the terms are generally consistent. You also have to be a subscriber of a carrier in order to take advantage of that carrier's insurance plans. Here's what you need to know.

Asurion covers loss, theft, accidental damage, and malfunction - the big ones most people file claims for.

Once your insurance claim is approved, you'll be told if Asurion is electing to repair or replace the device, if it's the latter, they'll ship it out to you overnight. It may be new, or it may be refurbished. A phone charger, battery, and a SIM card will be included. But let's get to the fine print, because that's where things get interesting.

Other more obvious reasons for denial of claims include problems that are covered under the existing manufacturer's warranty, damage caused attempting to repair or modify a device, or vermin. Yes, if insects, rodents, or "other vermin" damage your phone, that's not covered. I don't even want to know.

If you submit a claim for a lost or stolen phone, Asurion may require (TOS varies per carrier) that you file a police report, obtain a copy or case number, the police station's phone number, and the name and badge number of the officer who took the report. Asurion may not ever request you to submit the report or this information to them, but make no mistake: you may be required to do it under the terms of the policy.

Additionally, if you're filing a claim and Asurion is unable to approve it over the web or phone because agents are not reasonably able to verify the loss you're claiming, you may be required to take your phone to a "specified location" or mail it to a service center before receiving a replacement. Only when the claim is approved will a replacement phone be shipped. Asurion also reserves the right to require documentation proving your ownership of the device (bill of sale, receipt, proof of purchase or warranty exchange), a signed statement swearing to the veracity of your claim (they can even request you have it notorized, on your own dime), a copy of a government-issued ID, or "other records and documents that may be reasonably requested."

Finally, as with most contracts you'll agree to as a consumer, Asurion requires you to agree to an arbitration clause, which essentially means you can't sue them outside of a limited number of circumstances, only pursue an arbitration hearing. This only applies in some states, however, so check the fine print at the very bottom of this document if you're interested in which ones are excluded.

AT&T

AT&T Mobile Insurance is $6.99 per month with the "insurance only" option, and covers the same loss incidents as every other Asurion plan (accidental damage, loss, theft, and post-warranty mechanical breakdown). AT&T has three deductible tiers (1, 2, 3), with any high-end smartphone landing in the tier 3 $199 deductible. A few less common mid-range phones will get you down to the $125 tier 2 level, and low-end devices like the Galaxy S III Mini even manage to make it down to tier 1 at $50.

att

Like Verizon, you're limited to two claims per 12 months of enrollment. Unlike Verizon or Sprint, AT&T's policy includes, if you mention it in the claim filing as part of your loss, a replacement for one of the following: carrying case, automobile cigarette lighter adapter, or standard wired earpiece. I guess that's kind of nice of them. This is in addition to the battery, charger, and SIM card, if you're claiming them.

AT&T's policy on claims requiring you to return your damage device states that you have 10 days to send it back from the date you received the prepaid shipping label.

Sprint

Sprint's Total Equipment Protection plan is currently offered at either $8 or $11 a month, depending on what deductible tier your device is in. Most mid-range to high-end phones are in tier 3, meaning a deductible of $150, and a monthly premium of $11. The Note phones are among the few that land the big $200 deductible, though the iPhone 5 / 5S / 5C may also end up there, as well.

sprint

Unlike Verizon and AT&T, though, Sprint's TEP plan covers up to three claims per year, with the same $1500 per claim limit. This is a significant advantage over the Verizon / AT&T plans if you're particularly likely to break or lose your phone, though you're obviously paying for it - the monthly premium is nearly double that of AT&T's.

Otherwise, this plan is just like AT&T and Verizon's, and offers the same level of coverage for the same loss situations.

Verizon

Verizon's Total Mobile Protection comes in at $10 a month with a maximum of two claims per 12 months at $1500 apiece. However, Verizon does have one apparent advantage over pretty much every other plan here: deductible rates are substantially lower. Most high-end Android phones have a $99 deductible, even devices like the Galaxy Note II, LG G2, or Galaxy S4. While Verizon does have deductible tiers at $149, $169, and $199, the only devices I've seen at those deductibles are Apple products or tablets. This plan covers the same sort of thing we've seen already - loss, theft, damage, and malfunction.

verizon

Verizon also offers cheaper plans, though. For $8 a month, you can get the Total Equipment Coverage (TEC) plan, which is like the TMP plan above, minus the lost phone / "tech coach" support line features you don't need. I'm pretty sure you have to sign up for this plan in-store or over the phone, and that it has to be within a certain time frame of your device purchase.

Then there's Wireless Phone Protection (WPP), it starts at about $5 a month. It has all the benefits of the TEC plan, except that it does not include phone malfunctions (post warranty expiration). So if your display goes kaput a month after your warranty expires, that's not covered. If you mysteriously lose your phone after the display goes kaput, though... (I am not endorsing insurance fraud.)

Finally, there's the simple extended warranty plan. For $3 a month, you can extend your phone's warranty for malfunctions and defects that would otherwise be covered past the first year you have the phone.

Again, all these plans aside from TMP probably have to be bought at a store or over the phone, as I can't find a signup page on Verizon's site.

T-Mobile (Assurant)

Asurion Assurant (formerly T-Mobile used Asurion, this has changed) covers phones under the T-Mobile Premium Handset Protection plan (thanks, to those who pointed this out). Your deductible and monthly insurance cost vary by your phone plan and device.

If you're on one of T-Mobile's new monthly handset repayment plans (JUMP!), PHP is included at no extra cost beyond the $10 JUMP fee you're already paying. Your deductible depends on just what phone you have, with there being five deductible tiers. Most modern high-end smartphones fall into the two highest tiers, meaning a deductible of $150-175 in the event of a claim. There is also a $5 warranty processing fee every time you make a mechanical breakdown claim, and you're limited to two claims for every 12 months you're enrolled in the plan.

Assurant sends you a refurbished replacement handset within 1-2 business days (though customer accounts of turnarounds seem to vary), and if a refurbished phone isn't available, a new one will be sent. Additionally, each refurb comes with a 6-month warranty.

If you're not on JUMP, premium handset protection is an $8 / month add-on to your T-Mobile account, and includes the same coverage and deductibles as the JUMP version.

SquareTrade

SquareTrade is probably the most popular non-carrier phone insurer in the US. They have low deductibles ($99 for pretty much any non-iPhone), simple coverage terms, and they'll even give you a big discount if you buy a 2-year policy ($125) up front instead of going month to month ($7.99). What SquareTrade doesn't do is loss or theft coverage - your phone has to be in your possession in order to make a claim under your policy. As such, the warranty only covers accidental damage and malfunction, and you generally have to purchase the policy within 30 days of buying the phone.

What sort of damage is covered? SquareTrade says drops, spills (including full immersion), and wear and tear resulting from typical use of the phone. Wear and tear even includes the battery if it drops below 50% of the original capacity, though if you have a sealed phone this would mean sending it in to SquareTrade.

square

SquareTrade also has a major advantage over competitors in the event your phone is deemed beyond repair: they'll just pay you the cost of replacing it (by their estimate - meaning the cost of a refurbished device, usually) once you submit your deductible payment. They'll even send they money directly to your PayPal account. SquareTrade, unlike many phone insurers, doesn't deal in refurbished smartphones, and would prefer just to pay out if they can't fix your device.

Reviews of SquareTrade on the web are generally very positive, though like any service you'll find sour grapes here and there if you go looking.

The practical drawbacks? Shipping is generally 2-day, and because SquareTrade only repairs your phone or reimburses you via PayPal / mailed check, that means you'll probably be without a phone for a week or more.

Now, what isn't covered under a SquareTrade plan, aside from the aforementioned loss / theft? Exposure to weather conditions, failure to properly clean, operator negligence, misuse, abuse, improper electrical / power supply, improper equipment modifications, attachments or installation or assembly, vandalism, animal or insect infestation, battery leakage, or "act[s] of nature" or any other "peril" originating outside the product. So if your phone is struck by lightning or short-circuited by fire ants, you're probably out of luck. But as far as the damage scenarios that are likely to occur to a smartphone, you're pretty well-covered.

A couple things to note under the 2-year plans: you get as many repair claims as you want, but your policy maxes out on that particular phone once those repairs cumulatively exceed the value of the device, which can happen pretty fast (eg, 1-2 repairs). And you get one replacement payment. Once a claim has been processed resulting in a replacement payment, your policy is terminated, and you have to buy a new one if you want continued coverage. This, obviously, is how they can sell the 2-year plans more cheaply than month-to-month.

Overall, SquareTrade provides good protection against accidental phone damage, and at a pretty good value if you choose to enroll in a 2-year plan (it roughly comes out to $5 a month).

Wait, what about [semi-obscure insurance provider X]?

Protect your bubble? Worth Ave Group? ProtectCell? What about all these other guys out there selling phone insurance that sounds both awesome and affordable? Put the brakes on your expectations. Not only is it difficult to research the reliability of many of these companies, they hide a lot in the fine print.

If anyone is promising you "no deductible" on your phone insurance claims, they're probably stretching the truth. A lot. Most such services actually hide behind the term "administrative fee" (for example, ProtectCell). Yes, there's no deductible as part of your plan as far as the wording of the policy is concerned, but oh wait, there is a $150 "administrative fee" you're going to have to pay if you make a claim. And it goes up to $200 if you make a second or third claim. You know, for all those expenses incurred administering your policy. Right.

Next, look for reviews. And not reviews about the value of the coverage provided, or the type of damage / loss compared to other providers. Look for claims experiences. Companies like Worth Ave Group have pretty mixed reviews of the claims process from policyholders out there, and numerous reports of abnormally long turnaround times on claims. Protect your bubble has some real customer service horror stories on the web.

That said, here are a few other providers that have at least a semblance of reputability, and their rates and coverage based on insuring a Galaxy S4 (in Worth's case, a $599 policy).

  • ProtectCell Complete: $129 / year or $199 / 2 years. Covers drops, water damage, theft, and loss. Deductible: $150 first time, $200 thereafter. Replaced with a refurbished or new handset of same or like model.
  • Worth Ave. Group: $59 / year. Covers drops, water damage, and theft (not loss). Deductible: $50. Pays out amount insured - no replacement devices or repairs offered.
  • Protect your bubble: $7.99 / month or $143.99 / 2 years. Covers drops, water damage, theft, and loss. Deductible: $100. Replaces with refurbished or new handset of same or like model.
  • Best Buy Geek Squad Protection: $9.99 / month or $199.98 / 2 years. Covers drops, water damage, and other malfunctions. Deductible: $150. Repairs existing handset if possible, if not, replaces with refurbished or new handset of same or like model. (Note: the deductibles were added and pricing changed as of Sept. 1st, 2013 - non-deductible coverage for new customers is no longer available).
  • esurance (provided by eSecuritel): $10.99 / month. Covers drops, damage, theft, and loss. Deductible: $175. Replaces with refurbished or new handset of same or like model.
  • Ensquared: $58.99 / year or $99.99 for 2 years. Covers drops, water damage, theft, and loss. Deductible: $100. Repairs existing handset if possible, if not, replaces with refurbished or new handset of same or like model.

I can't cover every plan here. With smaller providers like some of the examples I listed above, you're really taking something of a gamble on your policy. Adjusters may be more shrewd, customer service poorer, and the likelihood you'll be denied a claim based on a technicality higher. The insurance business is about pooling risk - the bigger the pool, the lower the risk to the insurer. The smaller the pool, the more vigilant the insurer has to be about enforcing fine print and keeping costs down. Just remember that.

Insuring on your homeowners / renters insurance policy

Most modern smartphones have a retail MSRP over $500 these days, and as such, qualify pretty easily under most homeowners and renters insurance as a valuable possession that can be covered under your policy. This is a very case-by-case solution to insuring your phone - so specifics on cost here are hard to measure - but the general consensus I've found in terms of estimates are anywhere between $10 and $50 a year on top of your existing policy, depending on your insurer and the value of your phone. Note that this is different from merely claiming your phone as personal property on your homeowners in the event of a covered loss - you're adding specific coverage for this possession as a valuable personal article.

How do you go about insuring your phone this way? You'll have to call your insurer or the agent who handles your policy and request that they add a rider (aka floater) provision to your existing policy specifically for your smartphone(s). You may need to provide a receipt or other proof of your phone's value, but once you do, it's covered. The best part? Most rider provisions have no deductible, and you'll be reimbursed the full insured value of the item in the event of a loss. Exactly what situations your phone is covered under will vary, but generally personal article riders cover a very broad number of scenarios. That means you will not be limited to only the loss situations covered under your larger policy, which are substantially fewer. You'll only be limited to the specific exclusions of the rider, which you should of course ask for.

In the event of a loss, though, you do have to weigh the value of making a claim on your homeowners or renters insurance for a single item (if your phone is all that is claimed), as your rates will likely go up substantially when you renew the policy. You could also potentially be dropped by your insurer, an increasingly common practice. And every time you get a new phone, you'll have to call your insurer to get rid of the old rider and add a new one.

Is this more complicated than just buying a phone insurance plan? Yes. Is it probably worth doing if you already have a homeowners / renters policy anyway? Even at the high end of $50 a year (around $4 a month), it's hard to argue with the value. It's a little extra peace of mind, if nothing else. While you're at it, you can also insure other expensive gizmos this way - high-end photo gear and laptops, for example. You may not want to claim any of these things alone on your homeowners, but in the event something happens that results in the loss of numerous valuables (eg, your car is broken into while you're at a hotel and your laptop, phone, and camera are all stolen), it may just be worth it.

Be sure to ask about international loss coverage as well - many insurers restrict these policies to domestic claims.

Your Credit Card

Did you buy your phone with a credit card? Many credit card processors like Discover offer extended warranties on products purchased using your card. Oftentimes, this warranty extends 1 year past the date of the expiration of the manufacturer's warranty. Obviously this won't cover things like accidental damage or loss, but it may get you a complete refund of what you paid for a device if it fails due to a mechanical defect.

The process of actually doing this and the level of protection will vary by the credit card you used. Some credit cards don't offer this kind of protection at all. Discover is well-known for its warranty, which extends a full year beyond the manufacturer's (given the manufacturer's warranty was less than 36 months) and under the same terms of the original warranty.

Is any of this actually worth it?

That's actually a very legitimate question. Even assuming a relatively cheap plan, like AT&T's at $7 a month, if you make a claim one year into your plan with a high-end phone that requires a replacement, you're looking at a total insurance cost of $284, and a pretty high likelihood you'll be getting a refurbished handset.

If your handset is merely broken (shattered screen), you could actually be better off if you'd avoided insurance altogether, unless you plan on taking your chances with someone like Worth Ave Group. Phones with cosmetic or display damage - even a dead main board - can fetch a perfectly healthy sum on the open market, especially if it's a popular device like a Galaxy S4. Replacement parts aren't terribly expensive, and plenty of repair businesses will take these broken phones in, fix them, and flip them again on eBay or elsewhere for a substantial profit. Even if you get only $250 out of that shattered husk, you're not down $250+ in insurance (let's pretend you saved it instead), and for a little extra money ($100-200) you can get a brand-new phone of your choice instead of taking a chance on an insurance-supplied refurb or repair job (unless your insurer only pays out).

But if your phone is stolen or lost, that's a different story. Sure, the deductible is steep, but you will get a phone, and it will almost definitely still be less out of pocket than if you didn't have insurance at all.

Like any kind of insurance, it's a matter of weighing your perceived risk against the costs of coverage. If you really do fear that your phone will be stolen, or that you'll lose it, insurance that protects you in such situations is probably worth the peace of mind for you. If you can work this kind of protection into a homeowners / renters policy, you'll probably get a deal, too. If your concern is more about damaging your phone, buying a protective case and building up a 'rainy day' fund may actually be the better idea. After all, if your phone never breaks, you're not in the hole for 2 years of premiums.

All in all, if you or a loved one are particularly accident-prone with your smartphone, phone insurance can be an option worth exploring in some cases. Just remember this: like any private insurance, phone insurance is a profitable business for the insurer for a reason. Companies like Asurion or SquareTrade wouldn't be around if they weren't taking in more in premiums than they paid out in claims, and that means a lot of policies don't end up ever actually being utilized. Consider the economics, the risks, and your personal situation - because it's definitely going to vary from person to person.

So, who's the best?

If you go by level of coverage offered versus premium and deductible costs, the title probably goes to Worth Ave Group. They pay out directly, which means no dealing with sketchy refurbished phones. Choosing them really is a matter of your trust in the company to be honest and expedient in resolving your claim, though.

If you want an insurer with a good reputation for service and a quick claims process, your choices really do dry up rapidly - there's a reason Asurion and SquareTrade are the only names most people know in the phone insurance business. Asurion is easily the most all-inclusive insurer on this list, since they cover not only damage, but theft and loss. And they'll ship you a replacement phone the next business day after your claim is approved (or you can go to a store and pick one up in some cases). That's convenient.

SquareTrade is able to offer a pretty cheap plan (roughly $5 a month if you buy 2-year coverage) that covers the most common phone insurance claims: cracked displays and water damage. They have moderately quick turnaround and, in the event your phone is beyond fixing, they'll just cut you a check - no dealing with lemon refurbs.

I know, the conclusions aren't exactly exciting - there's no magic way to get super cheap, fast, and all-inclusive phone insurance. But it's just kind of a reality of the very concept of phone insurance: a lot of people drop, submerge, or lose their $600+ phones. It takes a big insurer to make a profit out of that kind of business while still keeping customers who do file claims happy.

If you have any tips or phone insurance claims stories to share, feel free to do so in the comments below.

David Ruddock
David's phone is whatever is currently sitting on his desk. He is an avid writer, and enjoys playing devil's advocate in editorials, and reviewing the latest phones and gadgets. He also doesn't usually write such boring sentences.

  • Anthony Evans

    Not true on lost and stolen. Stolen yes you are required to lost your not.

    • http://www.androidpolice.com/ David Ruddock

      It's what's written in the terms. How they choose to actually conduct a lost phone claim may differ, so thanks for the information.

      For everyone else: this is regarding filing a police report on an Asurion claim depending on whether the phone is lost or stolen. Asurion's T&C (at leas the T-Mo version) says you have to do it in both scenarios.

      • Anthony Evans

        which is weird to cause we've had asurion since the early days ( still have it) and never had to file a police report on a lost phone. Heck I remember the sprint store tellig us one time to report it lost vs broken

        • http://www.androidpolice.com/ David Ruddock

          It's probably just umbrella protection for them if they think someone's trying to commit fraud, then. If someone files 2 lost phone claims right next to each other, it gives them the right to demand a police report be filed.

          • jp

            try getting a police report in the bronx, when you go to the precint, first they laugh at you, them after they create the report (if they decide to do it), they tell you to pick up the printout the next day.

  • Brandon

    You may want to check your facts on Best Buy's Black Tie/Geek Squad protection. I always buy my phones at Best Buy because the insurance is only $9.99 and there is No deductible. I have had my Galaxy S3 replaced 3 times under the plan and never paid more that the monthly fee. In my book, you can't beat the Geek Squad protection. One catch though, if you loose the phone you are SOL!

    • http://www.androidpolice.com/ David Ruddock

      You may have an older plan, Black Tie is actually no longer the name, suggesting the plan has indeed changed. Their site very specifically states:

      "Service fees will apply to Accidental Damage claims or to mechanical breakdown after expiration of the manufacturer's warranty.

      Basic phones: $49.99
      Smartphones: $149.99
      iPhones: $149.99"

      • bbyguy

        Bby GSP terms changed very recently concerning that deductible.. It sucks, and is limited to 3 replacements. Makes it way harder to sell.

      • lostchopstik

        Yeah, spot on coming from a Geek Squad employee here. They changed it starting September 1st from the old, $9.99 per month and no service fee, to the $150 and limit of 3 uses and then the plan is considered fulfilled, even if you paid up front instead of monthly.

    • http://www.androidpolice.com/ David Ruddock

      From Best Buy PR:

      "As of Sept. 1, new Geek Squad Protection service plans are offered for $5.99/month with a $49.99 service fee for non-smartphone plans, and $9.99/month with a $149 service fee for all smartphone plans. The smartphone plans include iPhones, and this is actually a decrease in monthly cost for those customers from $14.99 to $9.99 per month."

      • nofearofimaginarymen

        Thank you so much for this data. I have been using the black tie plan since the original evo and I considered it worth it. All my problems have been with hardware (battery not charging, camera shorting out, and mics/speakers quite working) and it was nice to have. With the new deductible, it only makes more since to go off contract with a nexus phone.

      • godisafairytale

        Yeah, it's pretty funny how they left out the price INCREASE for Android users like me. It was $8 a month, or $170 for 2 yrs up front before this change. Now $10/mo or $200 for 2 yrs for everyone. I guess Apple cried like babies to Best Buy that it's not fair that their phones should have higher premiums, wahhh. So communism wins and everyone's equal - with Android users getting the shit end of the stick.

        • Bart

          No it's because Best Buy was losing thousands of dollars on people making fraudulent claims and them having no way of keeping that in check. The deductible is wha does that, they figured out. Also, Geek Squad Protection was always 9.99/mo for Androids. :)

          • godisafairytale

            You're correct, I was mistaken. The up-front 2-year cost is what went up. It was $229 for iphones and only $170 for Androids, now it's $200 for both. So my original point stands.
            And having no deductible is indeed what emboldened customers to make false claims - NOT the $60 cost difference between Android and Apple insurance premiums. They increased the price of Androids because Apple is a bunch of whiny fucking crybabies who can't tolerate the fact that their phones are more expensive.

          • Soularadiate

            Apple's phones ARE more expensive!

          • steveo

            they are the same price dude, otherwise i would buy a galaxy.

          • newtoapple

            On my second iPhone in five years and haven't had one problem. My wife is on her fourth Galaxy SII in less than two years due to design issues with the charging port. The first one lasted less than a year and the others were crappy refurbs. The warranty is good from BB but only necessary on the Android. Maybe that's why the change in terms and more cost for the Androids. I'd rather pay up front for the iPhone and eliminate the warranty altogether. I'm taking my chances next time around.

          • Soularadiate

            Bart, nice post! What you said made me realize that it's probably unrealistic to find an insurance company that will take claims from customers without them having to "shell out" money before hand. I hope that there is a reputable company out there that isn't too expensive though.

    • dt

      As of Sept 1,2013, Best Buy has put on the brakes by limiting the number of claims you can make and charging you now $150.00 per claim. Best Buy's warranty plan is NO LONGER THE BEST VALUE....

  • Serra Behymer

    Even though it's $6.99 per month on AT&T and has a steep deductible, I guess that's better than being shit out of luck and not having a phone if something happens to it! ><

  • mustbepbs

    Wow, this is a very thorough article. Nice work.

    Also, unless you're working construction-type jobs with your phone, insurance is useless.

    • yankeesusa

      It is useless if your phone can be purchased online on websites like swappa or ebay for less than the deductible and cost of monthly insurance payments. Otherwise they are not useless and much faster than going through manufacturer which doesn't cover physical damage.
      Example: At 9.99 a month, $149 deductible for physical damage and counting 12 months of warranty payments it comes to about $270 to get phone replaced with best buy geek squad. If you want to buy your phone outright used on swappa your looking at paying at least $350. It's all about doing research and seeing how much it would actually cost to replace your phone in current market.

  • J3R3MY_H

    I have LifeProof insurance

  • jonathan3579

    Just a little FYI, T-Mobile doesn't use Asurion anymore. Assurant is their new insurance provider.

    • http://www.androidpolice.com/ David Ruddock

      Oh wow, you're right! I'll update to address this.

      • jonathan3579

        Also, it is significantly more difficult and time consuming to file claims through Assurant. I and many other people have experienced headaches with this company. It is realistically in people's best interest to consider some of the other options you've listed here unless they don't mind being without a device for up to 2 weeks. (The shortest I've seen is 3 days which doesn't include their shipping. They don't overnight like Asurion and have never offered it to me or the other people I know who had to deal with them.)

        Great article, btw.

        • blaque37

          Just lost my nexus on Monday, had a new phonephone by Wednesday morning

          • jonathan3579

            Did you go through Asurion or Assurant? I still hear of people being directed to Asurion and then Asurion pushes them over to Assurant.

        • April

          I beg to differ I go through US Cellular and they have Assurant for their insurance. I pay 5.99 a month and they are excellent they have never done me wrong. They do ship overnight, so you have your phone the next day. They do cover everything and it doesn't cost, but when it comes to lost or stolen phones it's 100.00 to replace. We have 4 lines on our account. We have had to have 5 phones replaced already in just 1 year, and 3 of those phones were on 1 line. They asked no questions, and even replaced the phone with a completely different phone at no cost. So they are a very good insurance company, and we have been with US Cellular for 4 years and they have had the same insurance company ever since we have been with this cell provider and have no problems, and enjoy the business that the ins. company provides. Thanks.

          • jonathan3579

            Well everyone's results will vary. It's good to hear that you've had success with them though. :) Just keep in mind that not all of us have been so lucky.

          • anotherUScellularcust

            .....and people like you are the reason our premiums and deductibles just freakin skyrocketed!!!

        • godisafairytale

          Incorrect. I am on T-Mobile. I filed a claim with Assurant for my broken phone and got a brand new, not refurbished replacement the next day. The whole thing cost me $5. Super simple.

          • jonathan3579

            In my experience since this was posted, I've had to deal with them and their Customer Support has greatly improved. I'm very impressed with how quickly things turned around.

        • Brook Jolley

          Assurant/time has always been one of the easiest carriers to deal with for me in health insurance they were just always too expensive.

  • zain kalwaninigga

    On asurion on metro pcs i lost my phone they repalced it with another one and inpaid $35 deductable and then i didnt like that phone so i told them and then they sent me another phone for free. And they didnt require a police report or credit card i can pay them in the metropcs store.

    • http://www.androidpolice.com/ David Ruddock

      As always, how each claim is handled will vary, especially if it's your first claim. The requirements are there as protection for the insurer, not so much as hard rules every single time you make a claim.

  • Brian Daniels

    $50 a year actually works out to a little over $4/month not less than $2/month.

    • http://www.androidpolice.com/ David Ruddock

      Wow, I don't know how I screwed that up. Fixed.

  • William Bielinski

    Ensquared is the cheapest and offers the best features for replacement. $99 for 2 years. They cover water, theft, have a low deductible and I believe cover 2 claims a year.

    • http://www.androidpolice.com/ David Ruddock

      Now that I read more about them, they don't seem as fly-by-night as I first suspected. There are a number of positive reviews out there. I've added them to the bulleted list!

      I still think Worth, if your concern is value, is technically better on paper, since they just pay out $600-700 (after $50 deductible) rather than fixing your phone or sending a refurb.

  • Tim Norris

    2 things:
    First: (Typo sorry, but I caught it and it was easy to miss)
    If you want an insurer with a good reputation for service and a quick claims process, your choices really do dry up rapidly - there's a reason Asurion and SquareTrade are the only names most people know in the phone insurance business. Asurion is easily the most all-inclusive insurer on this list, since they cover not only damage, but theft and ****less*** (should be loss). And they'll ship you a replacement phone the next business day after your claim is approved (or you can go to a store and pick one up in some cases). That's convenient.

    Second: Life hack on BestBuy Insurance, it doesn't uniquely say what the phone is until after you make a claim, just at the model and color, your S.O. buys the exact same phone as you [color, model, storeage] and not sure that either will use it, buy one and then the first to need it can use it on their phone.

    • http://www.androidpolice.com/ David Ruddock

      1. Thanks.

      2. Good point, though technically insurance fraud.

  • paul schuster

    I have to inform you about the Best Buy Protection plan. They are by far the best out of all of these. you pay $10 a month or $199 at time of purchase you get two years of coverage and you get full coverage as long as you have the actually phone to bring in. I am unsure about there loss or theft coverage. YOU PAY NO DEDUCTIBLE! and you have the option to get a loner phone for $50 which you get back when you return the loner. I just traded in my Sansung GS3 on a Friday at the store and got a refurbished on Wednesday at the store. and this refurbished was like new with no problem! I have used protection plans through best buy for years, since the original iPod. I HIGHLY RECOMMEND IT!!!!!!

    • jonathan3579

      There is no loss or theft coverage so that knocks them out of consideration for a great number of people.

    • http://www.androidpolice.com/ David Ruddock

      See my reply to Brandon, I am quite sure a deductible has since been added for new sign ups (within the last year or so). The website definitely says there is a $150 deductible for smartphones.

      • wvebert

        This must have happened in the last 2 months. I bought my daughter a S3 in Aug, and had her phone replaced just today with no deductible. Can you reach out to Best Buy and see when they changed the plan. I also have replaced my GF's S3 in the last 6 months. It may affect where I buy my next one.

        • http://www.androidpolice.com/ David Ruddock

          I have reached out, and will update when I receive a response.

          • Eric Ferro

            BestBuy Geek Squad is now this....9.99/mo for iPhones and all smartphones. 149.99 deductible for damage only. If it is a defect no deductible will be charged. You get the 50 dollar trade in plus on your plan for free. This means that in two years you will get an extra 50 on top of trade in value. You get all included accessories in the box replaced if they fail. NO LOSS OR THEFT PROTECTION...Hope this helps. Also a limit of 3 claims before you are dropped.

          • Eric Ferro

            http://www.bestbuy.com/site/Geek-Squad-Protection/null/pcmcat280100050014.c?id=pcmcat280100050014

            Here is our link to the most recent material.

            Eric Ferro
            BBY Mobile Sales Consultant

        • http://www.androidpolice.com/ David Ruddock

          Here you go, straight from Best Buy PR:

          "As of Sept. 1, new Geek Squad Protection service plans are offered for $5.99/month with a $49.99 service fee for non-smartphone plans, and $9.99/month with a $149 service fee for all smartphone plans. The smartphone plans include iPhones, and this is actually a decrease in monthly cost for those customers from $14.99 to $9.99 per month."

          • yankeesusa

            Good to know. I'm glad I purchased mine with the no deductible clause and I only pay 7.99 a month since I paid for it up front. And it's also transferrable and if I sell my phone and don't want to transfer it I can get a prorated refund back. Either way thanks for the great article.

      • Jim Nosrati

        I do think you can choose though if you want a replacement phone of the one that was broken, or if you want to pay the difference towards a new model. Which is a pretty nice option, as long as they still do it.

      • Guillermo Villa

        I actually work at Best Buy Mobile. Our Geek Squad protection for phones changed as of September 1st. It used to be $9.99 a month for all non-iPhone smartphones and $14.99 a month for iPhones. It was essentially the same as the Geek Squad Protection for all the other items in the store in that if there was any accidental damage, you could come into any Best Buy and have it replaced.

        Unfortunately, people were taking advantage of the system and parts for almost every single phone we sold were on backorder. The Geek Squad Protection for phones was actually costing Best Buy an insane amount of money and around 90% of people that got it made a claim (not good for an insurance). As such, they changed it to the plan you see here.

        • yankeesusa

          How do people take advantage of the system? Last time I checked it was up to the agents to check if the phone was really damaged. Of course I guess people could forcibly damage their phone but in the end if the geek squad agent ordered the replacement it was their fault. Plus an account should be flagged if a phone gets replaced every 6 months or so. Either way I will no longer be using best buy anyway. Their insurance replacements were crappy and I don't even think they come with gorilla glass like the original ones do. Plus I am now with tmobile and will buy my phones outright on swappa.

          • Kimberly Wilson

            But it also covered theft and loss I believe.

    • chrs2phr

      It's not the best by any means. What best Buy does is that they offer the two year plan which sounds pretty good BUT the manufacturer always has a standard warranty on their devices (usually a year). So best buy charges you for the free year that you're already getting. IF you have to bring in your phone within the first year, its usually about 1-2 week waiting time because they ship the phone back to the manufacturer to get a replacement. Bottom line, you're paying extra for a warranty that is already free.

  • Primalxconvoy

    One thing that shocked me concerning my phone insurance with docomo, in Japan, was that the s-pen and battery from my Galaxy Note 2 are not covered by their insurance and are deemed "accessories".

    I'd check if your insurance covers batteries and ALL the parts that came with your phone.

  • ToonAmi

    @David Ruddock. I know you covered a lot but you left out two very important ones. Apple protection plus and Sony's extended care. Both allow for one time fee with no deductible when replacing a phone and you receive a new not refurbished handset. Sony will even upgrade you if the phone is no longer in production. Both have in store no wait no mail in replacement option

    • http://www.androidpolice.com/ David Ruddock

      1.) We don't cover Apple products on this blog.

      2.) I left out OEM-specific protection plans in general because they aren't insurance, they're extended warranties.

      • ToonAmi

        David I understand this is an android blog and I use both products. After purchase care is something I look for when buying a product. And I understand you don't normally cover apple but your post does show iphone cost with the comparison. Also I stated Sony as well due to I don't want to sit for weeks without a phone or some lame loaner phone while I have to wait for some guy to determine how they can deny a claim. It is why you see quite a few people here and why a lot of people but the bestbuy warranty/extended care/replacement/insurance. They want a brick n motar solution without mailing a $700/2 yr contract phone that has no problem being lost in the mail.

      • ToonAmi

        Ok I had replaced my wife'a iPhone three times in two years...
        No deductible
        No hassle
        No wait
        No refurbished someone else's crapshot phone where I had to pretend it was like new yet the system log showed more usage than I would ever use

        You said look into costco. What about Sam Walmart and target. Like I said people go for the option that gives them the most money for their claim to purchase a new phone or quickest without the bs.
        Maybe you should raise a voice to Samsung which has a lot of phones in the US with little to no support from them. They have a pretty display at bestbuy but that is where it ends. OEM support heck yes please. They care more about the product then dollar signs and it is why your article is filled with only 3rd party companies trying to fill a gap but charging more. Add up a networks epp/warranty/insurance. Cause if it was insurance then that would always include lost or stolen. Add up the monthly fee plus a deductible and the fact they will renew your contract 9 times out of 10. And for a phone that is over 1yr old that means that your looking at the shelf where it sits at no money down. It would be cheaper to pay off your early term fee and sign a new 2yr contract and prob get a new phone to boot.
        Your point about not covering apple is mute. You do cover it cause android and ios are constantly compared to each other. And each one has its pluses and minuses.
        You do also realize that a phone network can deny you to unlock your phone if it gets swapped out by a 3rd party company. Your contract was for the equipment they sold

  • Aaron Graves

    I had a really good experience with Asurion. I bought a used Galaxy Note i717 from someone on craigslist.org. After about 2 months the phone just completely died on me. I called Asurion and within 48 hours I had a brand new Samsung Galaxy Note 2 i317 which is an awesome phone. I did have to pay 199 dollars but that was one hell of an upgrade. I know everyone doesn't get that lucky. Thank god the Note i717 is discontinued.

  • Michael Minton

    Not trying to start an argument or anything but protect cell is a great option. The new programs in place are definitely beneficial. No hassels no exclusions. No matter what the case you can get a replacement. Yes there is an admin fee (as they don't like to be considered insurance bc they aren't, they are more of a membership). All replacements come with a 12 month warranty. Also they offer buyback where they will buyback your device at a prorated rate of the retail value when you got the phone. So you get rewarded for keeping your device *protected*. And then there are even more benefits such as life lock, rewards mall, and digital leash. I understand your comparing to just the insurance aspect of all these companies. And just FYI if you ever get the chance look at the clauses in Asurion, check those out, you'll be surprised at the bs they put in there to protect themselves from having to do claims. Some of the funniest ones would be nuclear, war, police busting in the wrong house and damaging your phone, and my favorite which I found today looking through it, if you damage your screen and it doesn't affect the manufacturers intended function it's not covered.  I'm not affiliated with protect cell in any way other than we offer it at my store and I recommend it over Verizon Asurion. I only share the details I was trained on. At any time these terms may change

  • TheMan

    A couple of things...

    The major carriers have time limits by which one must purchase coverage: T-Mobile and Verizon Wireless, 14 days each; AT&T, 30 days. I'm not familiar with Sprint's policy, but I do know that in the past they've at times had offers permitting subscribers the chance to add insurance beyond its regular grace period.

    SquareTrade offers a variant of its plan described above that is offered only to Costco members who purchase their phones through the warehouse. It is the same as described except: the plan costs $99.99 with no monthly payment option; there is no grace period (although some leeway is given to online purchasers); the deductible is $25; replacements are shipped immediately with next business day delivery if the request is made before 6 pm ET.

    • http://www.androidpolice.com/ David Ruddock

      Interesting. I'll look into the Costco thing.

  • Nex

    Why do you spend so much time talking about an option that can't be purchased direct by consumers and then write one sentence about worth ave and then summarize it as the best deal? Poorly written.

    • http://www.androidpolice.com/ David Ruddock

      Because it's explained in an entire section about those 6 companies? This article is 4000 words long already. If you want to explore customer reviews about Worth and such, that's why the list is there. No need to stick in the "poorly written" jab, either.

      • Soularadiate

        In his defense David Ruddock, Nex said "Why do you spend so much time..." which actually doesn't translate into "...breadth of content". Am I correct? Though I do wish myself that you were able to "rabbit trail" off this topic. I still wonder if it's possible to protect my phone without dealing with crappy insurance, high deductibles, paperwork and humiliation, and other such negative influences. I do own a waterproof case for my phone by a company called Dry Case and I bought it for 15 dollars. Though I want more protection from thieves and memory loss. For memory loss I could prescribe myself an over the counter medication hopefully. A body-guard for my phone sounds pretty redundant and ridiculous considering I should know my phone more than any other person (let's hope so...).

  • FUCK ALL REPUBLICANS

    I think all form of insurance is stupid! I would rather save $10 a month and when my phone gets damaged or lost i would have the money to fix or buy a new or used one. Insurance is a scam!! I have owned 3 smart phones and never once have i need to fix or buy a new phone. Droid x, thunderbolt, gs3.

    • t

      What does republican have to do with that?

      • Kimberly Wilson

        Nothing. That's his user name.

    • Sidney

      Like you would actually save the money...

    • Mickey

      What does this have to do with Republicans this?

      • ManoftheRepublic

        Has nothing to do with Republicans, he just was not HONEST to post his name as ASSHOLE...

    • godisafairytale

      You've gotten lucky, sir. Nobody buys insurance for fun, they buy it for a worst case scenario.
      I considered tossing my insurance last year. Then my GS3 stopped working.
      Because I had insurance they overnighted me a brand new, non-refurbished
      Galaxy S3. Total cost: $5. And it was my fault!
      It would've
      cost me over $300 to buy another GS3 at the time. But suppose I had broken the glass
      or submerged it in water by accident. I'd already paid $96 for a year of insurance;
      even with the $150 deductible, would've been $246, $54 less than buying
      it full price. Newer phones like a Note 3 are $700 so it's well worth
      it. Maybe less so if you have a cheapo feature phone.

    • Ugh

      Can you even get insurance on your Obama phone? Or does that come free too?

    • Chris Carr

      $10/month isn't going to cover a new phone at full retail. Those $0, $49, $99, and $199 prices you see are with a 2 year contract. Try replacing your phone early and you'll be looking at paying full retail or an early upgrade fee.

      For example, to get a new AT&T Galaxy S4 would cost $349 ($99 + $250 Early Upgrade) or $490 (Full Retail). Had you bought it on the day it was released (13 months ago), you would be short $219 (Early Upgrade) or $360 (Full Retail).

  • Andrew Wacker

    I feel like leaving out Best Buy's Black Tie Protection is a grave mistake. They off $10 a month for unlimited claims and no deductible. When I had my Droid X and later my Sensation I replaced probably 6 or 7 phones under the Geek Squad plan.

    • http://www.androidpolice.com/ David Ruddock

      Please see the various comments indicating this plan now has a deductible.

      • Andrew Wacker

        Thank you! Guess I didn't know about the change and didn't read carefully to see your mention of it in the article. My apologies.

      • TJB

        If I had a protection plan with best buy prior to their change do i still Have no deductible since it should be a grandfather clause? Doesn't seem right if they can just change something like that if ur a previous customer. I broke my screen on my s4 on Monday and went to best buy and made a claim. . They said my new phone would be in Thursday (10/24/13) but did not mention anything about paying a deductible or "service fee"

  • Brad

    I was really annoyed when sprint pushed me so hard about insurance... "I think it's silly that you're not opting in"... I think you're a crummy salesperson! It'd be 100 bucks a year plus a deductible... I'm willing to gamble and buy a crappy phone on ebay than just say "here's a hundred bucks!"

    • Nicholas Loomans

      Yep, my insurance is knowing I can walk into town and get a $20 phone and be up and running. I'm not gonna die if I can't check G+ on the go for a while.

      • Kimberly Wilson

        exactly

    • godisafairytale

      I was starting to feel that way too, and considered tossing my insurance. Then my phone broke 3 days later. Because I had insurance they overnighted me a brand new, non-refurbished Galaxy S3. Total cost: $5. And it was my fault!
      It would've cost me over $300 to buy another GS3. But suppose I had broken the glass or submerged it in water. I'd already paid $96 for a year of insurance; even with the $150 deductible, would've been $246, $54 less than buying it full price. Newer phones like a Note 3 are $800 so it's well worth it. Maybe less so if you have a cheapo feature phone.

      • Kimberly Wilson

        Why did it only cost you $5?

        • godisafairytale

          Kimberly, you only pay the deductible for loss, theft, or physical damage. Since my screen was fine and it never got wet - but it just wouldn't turn on, only $5. Smashed glass or a wet moisture sensor makes it easy to blame on me, as would loss. But if it doesn't turn on, it would take them too long to dismantle it and figure out whose fault it is so they just take the loss and call it a "software malfunction". It was actually due to a crappy aftermarket battery I got on Amazon which burnt out the phone, but they'd never know it! haha

  • yankeesusa

    I purchased insurance with Best Buy and I don't have a deductible. I just got a replacement from them with no deductible. On top of that they also handed me a loaner phone while my phone was on order. I got my replacement in 3 days. Is their a difference between best buy insurance and geek squad insurance?

    Just read the other posts, I guess they do have a deductible now. Oh well. There goes that option

  • Austin Keeler

    Thank you for this article I had no ides Best buy had a deductible now. I just cancel them and went with sprint ausrion they cover lost & stolen phones

  • Simpleas

    Am I the only one who for the last 10 years didn't use insurance and had no issues at all? Money isn't the problem. Why buy insurance for a stupid phone? If I lose it I'll buy another one. But my track record is clean. Again money isn't an issue. Shirt I donate over 50 a month alone to different organization.

  • Cory Wilson

    I really hate insurance. A phone is a consumer electronic, why can't I just get a pay one low price up front service plan like every other consumer electronic?

  • Phillip DeVore

    I have been rocking cells since '93. Never had an issue with one of them. I am a responsible adult who takes care of my electronics. Never bought insurance. With all the money I have saved I could purchase several full price replacement phones.

  • JJCommonSense

    I actually have Protect Your Bubble and I've used it on both a tablet claim as well as my GS3 claim..... The claims are actually administered by Assurant... My tablet claim was a bit of a nightmare but mainly because the receipt that I was originally given by T-mobile just showed "T-mobile tablet" with a price of $0 (since it was a free refurb w/ contract).. a more detailed receipt finally got the claim resolved.... Most recently I lost my GS3. Filed the claim on a Tuesday and received a replacement phone by the following Tuesday (as Mon was a holiday).... my replacement phone was an international GS3 and was rooted so I had to send it back.... I basically kinda went off on their customer support because they wouldn't agree to ship out a new replacement until they saw that my return was "in transit".... i just chalked it up to having cheap insurance and a low deductable..... they did surprise me, however, by replacing that GS3 with a GS4 which i received later that week. All in all, I consider it a win...... but if you want the 24hr turn around, i'd suggest that you go with the carrier offered insurance.... but PYB is definitely legit, just make sure you have your receipt and a bit of patience.

  • http://www.parajuego.com/ Para juego

    this or that application. sometimes I'm a little naughty, it's pretty funny

  • Jerry C Mancuso

    I use Worth Ave Group for all of our company's iPads, and it's been great. They do offer repair coverage. You can get a local quote, or they will send you a prepaid label to send it to a repair facility. I've had 1 theft claim and 2 screen claims and they were all processed without a problem, even though the whole process was slow compared to the carriers' insurance.

    Worth Ave Group provides insurance for cell phones, tablets, laptops, e-readers, iPod Touch, cameras, and even game consoles.

  • Sam_K

    There's a mistake in your article in the Verizon section. You said the Verizon TEC plan is like the TMP plan minus the lost phone / "tech coach" support line features. The "lost phone" part is incorrect. Verizon's TEC doesn't include the "tech coach" and the premium security suite features in the Verizon's Support and Protection app.

    http://yourguide.vzw.com/devices/equipment-protection/

  • michelle

    Question... what is your opinion on Gocare insurance for phone? Can you review on it please. Thanks

  • Josh

    I couldn't agree more with the "rainy day fund". I have T-mobile and bought my s3 when it came out (2012). I got the insurance that cost me $8 a month (No Jump back then).

    My first S3 I did have issues, the phone was constantly draining and would not charge properly so after a year (the problem got worse over time) I went back to T-mobile and the lady there told me I would get a "new" (I think it was refurbished) for $5 and it had nothing to do with my insurance because it was a defective device. The next day it was at my door, i shipped back my old device and was all set.

    My device I always have a protective case on but a couple of weeks ago my case broke, I procrastinated on buying a new one and guess what happen? My phone slipped out of my sweatshirt and the screen shattered. If I had a case this would not have happened but i didn't so it did. Now since I have bought my phone I have already paid $144, I tried to make a claim and they wanted $150, this means I would have paid a total of $294, on top of paying 300 for a refurbished phone they didn't even have the same one! they wanted to give me a gray S3 that was a different version then mine and different color (mine is white) i have an extra battery cover that is white that goes over my extended battery, and if I insured a white phone its cause I want a white phone if I wanted a different color I would have gotten one when I bought it! They refused to negotiate the deductible so I am looking at spending a total of $300 for a refurbished phone that's not the same as mine. Now here is the best part, you know how a refurbished phone would have cost me $300? Well I can buy a mint condition S3 nearly anywhere for $250, or for just a little over that $300 I can get a brand new S3 not a refurbished one (or use that money towards a newer phone and sell it as-is), or!! I can get the phone repaired with OEM parts for $100, that alone is less than my deductible and less than what I already have paid!

    The only thing I can imagine insurance being worth it is if it is lost or stolen but admit it, how many times have you lost your phone and then you found it? It's pretty hard to lose your phone for good, and it being stolen? Well admit it again, most of us baby our phones and wouldn't go anywhere without it. My phone is ALWAYS on me, whether its in my hand or in my pocket, a phone is only going to get stolen is you leave it unattended which is close to never. Now another thing I can think of is water damage, well I have had tons of phones and I have only had one phone in my lifetime that this happened to, and guess what? For all the money you save on insurance you can invest in a waterproof case! if not well you're looking at a small risk but by the time something does happen you can always turn to that rainy day fund which is all the money you saved on insurance!

    All this being said you will have a manufacturers warranty against a defective device, having a rainy day fund is practically the same as having insurance, if you invest in a protective case and take care of your phone, there's a slim chance something will happen. The only insurance I can see being worth it is Jump and even then I think its only worth it if you like to constantly upgrade phones.

  • Josh

    So what happens if you pay your insurance for your iphone for 2 or 3 years then something happens. Is addition still going to have your model of iphone in. Or will they replace it with a newer model?

  • John Bund

    David, great article ... I really appreciate the information. I have Asurion for my TMobile phones. I just had to replace one because of a broken screen. The deductible cost shocked me - more than half the cost of a new phone (Samsung Note 2). You pay a monthly fee for the privilege of paying more to replace a phone - what a scam!! Lesson learned.

  • Amber

    Best Buy insurance also comes with Trade In Plus. So if your GSP is still active when you upgrade we buy you phone back if you want and give you an extra 50.00. Also the Geek Squad Locked and Found APP which is pretty awesome and easy to use for locating you lost phones locking it remotely as well as making it sound an alarm if it is lost in you own house. We all do that sometimes.

    I am also writing this because I am hearing as ana employee that they are working on a few changes that will make it more awesome :) No details released but over the next few months I would be checking into it as an option.

  • JebEldridge

    Who the fuck is going to find a brand new - or refurbished for that matter - flagship handset for $200 or less? Nobody. In fact, I still see the iPhone 5 of yesteryear running for up to $700 on eBay.

  • David33

    I just filed a claim with Worth Ave Group for theft and it took about 8 business days because I had to get a Police report, but I received an email that they would be paying the claim and within 5 days later, I received a check in the mail. Not too bad. I would recommend them

  • Claire Moores

    Assurion notified me that after two claims- one stolen phone, one lost phone that was subsequently returned to me and the replacement sent back to Assurion unopened- that I was no longer eligible for a replacement, but would be eligible in 2 years or if I got a new, different phone. Now looking for another insurer.

  • 1stSGT

    Assurant , i returned their new phone they sent me, unused,. They still haven't returned my $175.00 from over a month ago. T-Mobile has no control over the company that they hire and can't force them to honor their 14 day refund policy.
    11 years with T-Mobile and Assurant is ruining that relationship.