State Farm Insurance?

I don't think State Farm is being difficult - this is a benefit to existing customers who pay for homeowners insurance through State Farm. It isn't feasible for State Farm to offer such cheap insurance with zero deductible to those who aren't existing customers.

I would shop around. It sounds to me like State Farm is just trying to maximize profits on a new trend. I have a $30K renters policy that also covers computers, cameras and other electronics anywhere I go and it's only $120 a year. Why would I pay 1/4 that premium or more to ONLY cover my phone? There are better deals to be had if you shop a little.

I got it through State Farm, but it cost me $66.62 for a year. I have three cars and my home insured through them. The rep told me that they "frown" upon writing this type of policy on people that they do not already have a business relationship with.

Almost all the home owners insurance will add it as a personal rider. My Nationwide added it for 14.00 for the year (basically just an administrative charge) in addition to the computers and cameras I insure through them (and my house and car of course).

There are some third party insurers - do a search of this forum for iPhone Insurance and you will find several names of companies.

I'd check with a local State Farm agent. I have my auto & home insurance with another company, but they were able to sell me a "personal articles policy" which covers the iPhone and other pda devices. The price here in WA was $6.50 per $100 of coverage with zero deductable. Since I've got 2 iPhones (one for me and wife) the coverage ran me approx $86 for the year to cover both. Since I was paying $5.99 per month with Verizon for phone insurance which had a $50 deductable, I figure it was a pretty good deal.

Hope this helps.

Leon

I checked with our St. Farm agent on adding the iPhone and was told that they would only add it if we currentlty have cell phone coverage on the personal articles policy (we don't, just jewelry) otherwise they would not add it.

Yes, I would recommend shopping around for different SF agents, because I was able to get mine insured (through an agent in L.A.) without a previous policy...$32/year with no deductible. Policy covers everything but normal wear and tear.

I also have renters and auto insurance through State Farm. My phone is now insured for the $32 plus tax a year and is a great ease of mind. No deductable and covers everything that applecare does not, which is fine with me.

Good Luck!

I am in Georgia and I can't get my State Farm agent to insure my iPhone. They have been giving me the runaround for 3 weeks and finally told me to call the regional office and complain to them as to why they won't insure my phone. I have 2 houses, three cars, and thousands of $$$'s of personal items insured through them. This is very frustrating. Anyone in GA have an iPhone insured through State Farm?

I am also a State Farm customer with Homeowners Insurance (for over 10 years, never submitted a claim) with a Personal Article Policy added for two iPhones and they sent me a Cancellation Notice in the mail today, effective August 30, 2007. Reason given: “We no longer insure cell phones or PDA’s or portable music devices”. I tried to explain to the agent that my iPhone was a “cell phone AND a pda AND a music device”, all in one device, but she didn’t seem to “get it” either!

MikeJevin wrote:
Reason given: “We no longer insure cell phones or PDA’s or portable music devices”. I tried to explain to the agent that my iPhone was a “cell phone AND a pda AND a music device”, all in one device, but she didn’t seem to “get it” either!

It fits one of those descriptors, therefore it doesn't matter what it is, it won;t be covered.

We were able to get a personal articles policy with State Farm here in Florida that covered both our iPhones with a $0 deductible for $92 a year. We have NO other coverage with State Farm. We had to call a couple State Farm agencies before we got one that knew what we and they were talking about and were willing to write the policy. But call around. You'll find one.

State Farm does not sell the coverage for cell phones in some states; some sell the coverage, but at a certain dollar value (NY is at $499, so the iPhone is not a problem ). It is great coverage and not expensive, when available. It's a local decision.

State Farm does not sell the coverage for cell phones in some states; some sell the coverage, but at a certain dollar value (NY is at $499, so the iPhone is not a problem ). It is great coverage and not expensive, when available. It's a local decision.

My SF agent said no rider is available for IPhone. It is covered under my homeower's policy but with $500 deductible. ($500 is the lowest deductible they accept). Perhaps their policies are different from state to state. I'm in Minnesota.