Iphone Insurance

I have homeowners and vehicle insurance with USAA and I did call them about iPhone insurance so they may have been referring to me. USAA offers no special insurance for a device such as the iPhone so is covered with your contents insurance under your homeowner's policy and standard deductible applies.

The iPhone includes a standard one year warranty from the purchase data and you can purchase an AppleCare extended warranty which adds an additional year to the standard warranty coverage. This is not insurance.

http://www.apple.com/support/products/applecareiphone.html

http://images.apple.com/legal/warranty/docs/iphone.pdf

so is there any insurance for this phone??

I'm not familiar with squaretrade, but I have my iPhone insured through Country Companies. It's added as a rider to my existing policy. It covers loss, theft, liquid and physical damage. There is only a $50 deductible if the phone is stolen, otherwise it is replaced at no charge. It's currently costing me $21 a year, but that's becuase I keep forgetting to lower the value to $400. I imagine it would be a little less than that. Very reasonable.

Something is amiss, because I also have USAA and I called them in the fall of 2007 and asked the same question. So there must be at least three of us now.

I got the same thing from them and then I just lowered my deductible.

Thus far I haven't had to make a claim, and I'm hoping I don't have to any time soon.

GBA

I just purchased a 16GB iPhone a week ago, and just went into my State Farm agent this afternoon and added a rider to my homeowner's policy. The only restriction that they had was that now cell phones have to have a value of at least $400 to be insured. I guess the pay out was too much for some of the others. I also cover my laptop, GPS and other portable electronics. I'm not sure of the cost right now, they will bill me later. The cost wasn't an issue for me, but when I had it before I think it was only around $30/year.

Hope this helps you.

She may have meant it's only the 2nd time someone called her but who knows. I called myself at least 3 times to USAA over the last 8 months, still haven't found any good insurance for the iPhone.

No. And what is worse, ATT does not offer any. I have always considered cell phone insurance reasonable option and had it back in the days of my Sprint Palm Phone. Further ATT does not offer it on RIM phones either. This is a major change in Cellular telephone policy, which leaves a device as easily lost or damaged as a cell phone completely unprotected unless you have a home-owners policy which has a provision for such portable losses. See this and be sure to download the excluded products: http://www.wireless.att.com/learn/basics/choosing-features-services/wireless-ins urance.jsp Suddenly the iPhone seems a whole lot less attractive to me. Simply put if ATT is going to rely on Apple for support and service (as well they should given the tight reign Apple has placed on ATTs ability to control the phone), Apple really needs to pick up the ball and offer the loss and damage insurance one the providence of the wireless service providers. I would certainly be willing to pay a higher AppleCare premium for the confidence I could use my iPhone like a real cellphone without fear of losing such a major investment.

No. And what is worse, ATT does not offer any.

AT&T and Apple are not insurance companies.

You'll find that any insurance you get through AT&T is underwritten by an insurance companies.

It's the insurance companies that seem to be reluctant to cover iPhones and other smart phones.

Matt

AT&T's insurance company, Asurion, will not cover PDA phones (except the Blackberry Pearl & Blackjack basicaly).

Do you know if squaretrade.com will cover insurance ONLY on the iPhone for accidental damage?

I have USAA Renter's & Car insurance but I don't think they cover lost/stolen so I'm looking for an insurance company that will cover either both physical damage & being lost/stolen. OR I'm looking to cover it by 2 companies, one that will cover lost/stolen and one that will cover physical damage.