Best Cellphone Insurance in 2023

Best Cellphone Insurance in 2023

Best Cellphone Insurance in 2023

Asurion has the most complete insurance plan for cell phones. Repairs or replacements for your phone that come up out of the blue can cost you several hundred dollars, but the right cellphone insurance plan can help make that cost more manageable.

When people buy cellphone insurance, they pay a premium, which is usually between $5 and $20 a month. If their phone gets damaged, lost, or stolen, they pay a deductible and can fix or replace it for a small portion of its market value.

Many insurance policies cover the same things, but it’s important to look at each provider and policy carefully before choosing one. The best insurance policies are cheap and have low deductibles, which make it easy to file a claim. When choosing a provider, other things like discounts for bundling, options for more than one device, and customer reviews can also be helpful. Read on to find out which service provider is best for you.

Many cellphone companies let customers add insurance to their monthly bill, and customers of Verizon, AT&T, USCellular, or Sprint can get Asurion’s coverage directly. This coverage is cheap, making claims is easy, and most people are happy with their experience. Because of these things, Asurion is the best overall company on our list.

Asurion customers are covered if they lose, have their device stolen, or it gets broken (e.g., broken screens and liquid damage). Plans also cover device failures and problems caused by normal wear and tear, like dust buildup or problems with heat and humidity inside the device.

The Asurion online claims portal makes it easy to file a claim, and policyholders can usually expect a replacement phone to arrive in the mail in as little as 24 hours. Not all broken things, though, need to be replaced. Customers with a broken screen or who want to work directly with a technician can go to one of the more than 650 uBreakiFix by Asurion stores,

which will be renamed Asurion Tech Repair & Solutions in September 2021. For added convenience, they can also set up a time for an Asurion technician to come to their home or place of business. Since there are so many ways to fix something, it’s easy for customers to find the best one.

Plans and costs
Different cell phone providers, devices (like smartphones and watches), and plans offer different ways to buy. The deductibles for replacement phones also vary by device, with higher deductibles for more expensive or newer phones. Screen repairs are cheaper because you don’t have to buy a new phone as often.


SquareTrade is backed by Allstate and is advertised as one of the cheapest plans for cellphone insurance. It has low-cost plans that cover multiple devices and let you make more claims than many other insurance companies. Because of all of these things, SquareTrade is our choice for family-wide cell phone insurance.

SquareTrade insurance covers all makes and models of phones, no matter who the carrier is or how old the phone is. Plans cover broken screens, touchscreens that don’t work, liquid damage, broken speakers or audio, a dead battery, and a charging port that doesn’t work.

Coverage includes repairs done on-site (at the home, office, coffee shop, etc.), the same day, and at a local repair shop. Or, if the client prefers, they can mail the phone in to be fixed, which usually takes two to five days.

Most cellphone insurance plans only cover two claims per year per plan, but SquareTrade lets you make up to four claims per year per device plan. Family plans let you make up to eight claims per year, which can be helpful if your family has more than one device, whether it’s a cell phone or something else.

Plans and costs
SquareTrade’s monthly premiums start at $8.99 for a single device, but customers can insure multiple devices for just $19.99 per month. The deductibles range from $25 to $149.

SquareTrade also offers an upgrade for $12.99 per month that adds more features like premium tech support, Allstate Roadside Assistance, and identity theft recovery.


A new iPhone can easily cost close to $1,000, so insurance can be a good idea. Most cellphone insurance companies are happy to cover iPhones, but people who want the best insurance might want to go straight to Apple.

AppleCare+ makes it easy to protect a phone and get ongoing help from experts who know how the hardware, operating system, and apps that make Apple products special work. AppleCare+ is the best choice for iPhone users because of this.

AppleCare has two different plans: AppleCare+ and AppleCare+ with Theft and Loss. Both policies cover accidental damage up to two times a year and cover batteries that have lost 80% or less of their original charging capacity. If the device is lost or stolen, AppleCare+ with Theft and Loss gives you more protection.

An AppleCare+ account also gives you priority access to Apple experts via phone or chat, onsite services (like screen repairs), express replacement services, and mail-in repair options with prepaid shipping. Customers with AppleCare+ can also take their device to any Apple Store or Apple Authorized Service Provider to get it fixed or fixed up.

If you want AppleCare+, you should add it to your iPhone within 60 days of buying it. If that window has already closed, you may need to go to an Apple Store to add a policy.