iPhone 4 Insurance
Ok, so I'm interested in getting insurance for my iPhone 4. The one thing that is most important to me is if my iPhone is stolen, which company would be the best for me because in the past, I've lost an iPhone 3GS without insurance which was terrible because I'd have to pay full price for a new one. Any help?
- 01-16-2011, 05:57 PM #2
- 01-16-2011, 06:02 PM #3
- 01-16-2011, 06:05 PM #4
- 01-16-2011, 06:05 PM #5
- 01-16-2011, 06:40 PM #6
- 01-16-2011, 07:20 PM #7
Before you buy ANY insurance, read actual reviews from people who have attempted/have used the service to replace a phone. I know that 90% of the time, these coverages are usually a huge PITA, and people usually echo that in reviews...i've never personally bought one, and prob wont ever get one because it seems like such a headache to deal with them.
- 01-16-2011, 08:50 PM #8
There is a free application called SmartGuard (smrtguard.com) With this app you can locate your phone (accuracy depends on signal strength), you can remote lock your device and you can remote listen which has your device call a number, that you specify, to assist you in locating. These features are free and you can pay for a premium version that has more features.
I've been using this on my BB for about a year and it's great and I plan on getting it for my iPhone.
This app will only help if you lose the device though obviously
- 01-16-2011, 11:25 PM #9
- 01-17-2011, 12:18 AM #10
- 01-17-2011, 08:45 AM #11
- 01-17-2011, 09:20 AM #12
Again, the no insurance plan is the best.
No money up front. No monthly payments. 199 deductible for nonwarranty service. Just deal with an apple store for same day service. In the case of lost or stolen (which shouldn't be that big of a concern), you can buy a new or used one..just think of that as a higher deductible and a lesson to keep better track of your things.
As for the State Farm or home insurance route, that's risky (which is why its probably so cheap). Claims like these are seen as frivolous when compared to what homeowner’s insurance is designed to do, cover major incidents. If you were to have 2 or 3 incidents small or large, do not be surprised when you receive a non-renewal notice from your provider. And your claims get kept in a database for at least 5 years. You never file a claim with your home insurance unless its big.
- 01-17-2011, 09:52 AM #13
- 01-17-2011, 11:48 AM #14
And for anyone stating you have to watch out for the deductible, just call and make sure there isn't one on smartphones and set the full retail price + tax, and you're good to go
- 01-17-2011, 05:05 PM #15