Weekend Open Forum: Do you have insurance for your smartphone?

[trgz]

'course not. I've never lost or broken anything and fail to see the point of giving the rip-off merchants, that are Insurance companies, any more money than I'm already doing. The contents, and inconvenience of losing, my cheap HTC Desire C far outweigh the phone's value so I take pretty good care of it (like everything I've ever bought)

 

[Fbarnett]

What do you mean? you will pay full price for a device if you have no insurance. And you will pay your monthly premium and a $150.00 deductible if you do

Hmmm. Maybe they cut me a break or something? When I first became a sprint customer and had to get my phone replaced. I think I paid like 200-300 bucks? Last year they replaced several devices that went bad for some reason or another and it never cost me a penny when I had insurance.

well that phone was under warranty is why that is different

 

[ET3D]

My Nokia 6120 Classic is uninsured at the moment, and it was called a smartphone when it was released.

 

[Dukenukemx]

What do you mean? you will pay full price for a device if you have no insurance. And you will pay your monthly premium and a $150.00 deductible if you do

Who said I paid full price? The Mytouch4g Slide I have was originally bought off Ebay I think about 2years ago for $50. It was broken, but all that was broken was the digitizer. It was less then $20. 2 years later while playing fruit ninja, the phone froze and I removed the battery only to find it wouldn't turn back on. Another broken phone off Ebay for $30 and I liberated the board from that phone to fix mine.

I did something similar with the T-Mobile G2. I bought 3 broken G2 phones and used the parts that I knew were working to make one working G2. I did something similar for my sister as well. Back then it cost me about $140 for the phone doing this, but there's no additional fee beyond that.

 

[St1ckM4n]

I have a Nexus 4 which is cheap, powerful, and beautiful. No case or screen protector, no damage to it after 1year+. I don't have insurance or cases on any of my past phones either.

 

[psycros]

I'll worry about insuring a phone after I find a way to insure my own health. Unfortunately I have an income, so thanks to Obamacare health insurance is completely out of reach now. I suppose I could quit my job and get on Medicaid like my friend. It costs nothing and pays for 100% of whatever it covers. Welcome to Amerika, where poverty is encouraged, workers are punished and the rich laugh all the way to the bank no matter who's in charge.

 

[SirGCal]

Premiums are too high. Simple as that. And in over 20 years, I've used it once and would have paid out 7x what the very expensive ($700) phone cost in premiums already if I had insurance. Plus the $150 deductible at the point of need... Pretty much makes the insurance useless unless you need it only a very short time after buying a phone... Otherwise it's just a scam, everyone gives them a ton of money, they have to pay out very little in return. Very few people actually benefit from the situation. I've had case phones, even on my S4 and HTC 3D that I could, and have, literally thrown the phone crossed the room (freaked out the kids at Sprint... LOL!). So cracking the screen would be the only real threat. And I can fix that.

So, I'll pay for a new phone, even if I can't get it discounted somewhere, should the worst happen. In the long run, it's a lot cheaper unless you're a horrible klutz.