Paul Sanchez
If you've broken your phone screen, you may be wondering if your insurance will replace your phone. The answer depends on your insurance provider and your specific policy. Some insurance companies offer protection plans that cover cracked screens, while others may require you to purchase additional coverage for accidental damage. In some cases, you may be able to get your screen repaired at an authorised repair centre, rather than having the entire phone replaced. It's important to review the terms and conditions of your insurance policy to understand what is covered and what your options are in the event of a cracked screen.
| Characteristics | Values |
|---|---|
| Insurance company | Verizon Mobile Protect |
| Insurance type | Multi-Device |
| Coverage | Repair or replacement for loss, theft, accidental damage, cracked screens, and mechanical & electrical failure |
| Deductible | $99 |
| Replacement cost | $49 |
| Screen repair cost | $0 |
| Back glass repair cost | $29 |
| Other benefits | In-person device checkup, 24/7 tech support, digital security and privacy tools, Pro On the Go same-day delivery and setup |
| Number of claims | Unlimited |
| Eligibility | Devices must be in fully functioning condition without any damage or defects |
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What You'll Learn
Phone insurance options
Asurion
Asurion has been in the phone insurance business for over 20 years and is trusted by 300 million people worldwide. They offer device protection, tech help, and more. Asurion's coverage includes accidental damage, defects, and loss and theft. The average deductible ranges from $29 to $499, and the average monthly coverage premiums are about $12 to $15 per month for a single cell phone.
Progressive
Progressive offers highly affordable cell phone insurance rates. Their plans cover various life mishaps that are not typically covered by the manufacturer's warranty. The cost of a Progressive cell phone insurance plan varies based on the phone's brand, model, and age, as well as the coverage amount selected. The minimum deductible on Progressive plans is $50. Progressive also offers electronic device insurance, which can cover multiple devices, including smartphones.
USAA
USAA offers its members an average of 22% savings on cell phone coverage. They provide one or two-year plan options, with additional security features such as the SafeStore app and the ability to lock and locate your phone remotely. A two-year prepaid plan from USAA costs about $7 per month.
Allstate
Allstate's SquareTrade cell phone protection plans offer affordable coverage options for single cell phone owners and families. Their average deductibles are $149, while monthly premiums range from $8.99 to $19.99. Allstate's coverage also provides higher annual claim allowances than many other carriers. Their plans cover cracked screens, common malfunctions, and battery failure.
Verizon Mobile Protect
Verizon Mobile Protect offers cracked screen repair and phone replacement services. They provide unlimited cracked screen repairs at no extra cost, along with access to in-person device checkups, 24/7 tech support, digital security tools, and same-day delivery and setup. The most you'll pay to replace your damaged device is $99 per claim.
T-Mobile Protection 360™
T-Mobile's Protection 360™ is a comprehensive device protection program that covers repair or replacement for loss, theft, accidental damage (including $0 front screen repairs), and mechanical and electrical failure, even after the manufacturer's warranty expires. They also offer a Service Contract Device Protection Plan that covers mechanical and electrical failure, JUMP!® Upgrades, unlimited screen protector replacements, and tech support.
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Repairing a broken screen
A broken phone screen can be frustrating to deal with, but there are several options available to get it repaired or replaced. Many insurance plans and device protection programs offer screen repair or replacement services, often at no additional cost. For example, Verizon Mobile Protect offers unlimited cracked screen repairs at no extra cost, while T-Mobile's Protection 360 covers repair or replacement for accidental damage, including $0 front screen repairs.
If you have insurance or a device protection plan, be sure to review the specific terms and conditions to understand what is covered and any deductibles or fees that may apply. Some plans may require you to use specific repair facilities or technicians, so it's important to check before initiating any repairs.
In some cases, you may choose to repair your broken screen yourself using a repair kit. This can be a cost-effective option, but it's important to note that it may void any existing warranties or insurance coverage, and there is a risk of causing further damage to your phone. Online communities like r/mobilerepair offer guides and resources for those interested in attempting a DIY repair.
When deciding whether to repair or replace a broken screen, it's important to assess the extent of the damage. If your phone's display is distorted or not functioning properly, it may indicate damage to the LCD, which would require replacement. In some cases, you may only need to replace the digitizer, which is responsible for the touch functionality of the screen.
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Phone replacement process
AppleCare+
If you have an Apple device and an AppleCare+ plan, you can initiate the phone replacement process by contacting Apple Support via phone, chat, or by visiting an Apple Store. Provide them with your iPhone's serial number and explain the issue with your screen. They will inform you of any charges for the repair and guide you on the next steps, which may include backing up your data and following their packaging instructions for mail-in repair. Apple will keep you updated on the repair or replacement process and will notify you once it's complete.
Verizon Mobile Protect
Verizon Mobile Protect offers cracked screen repair and phone replacement services. To initiate a claim, check your eligibility in the "Get Products" tab of your My Verizon account. If eligible, you can file a claim through the Protection 360 app or their website. There is a $99 damage deductible for replacement devices, unless the loss/theft deductible is less than $99, in which case that amount will be applied.
T-Mobile Protection 360™
T-Mobile's Protection 360™ offers comprehensive device protection, including coverage for screen repairs or replacements due to accidental damage. You can file a claim through their website or the Protection 360 app. There is a $5 processing fee for mechanical and electrical failure exchanges, and a deductible based on your device tier and claim type, which is collected after your claim is approved.
Allstate Protection Plans
Allstate Protection Plans cover cracked screens and common malfunctions. To initiate a claim, contact their customer support. They offer to send a certified technician to replace your screen at a location of your choice. If you have an Apple device, you can get it repaired at the Genius Bar and then submit the receipt for reimbursement.
Contents Insurance Policy
If you have a Contents Insurance Policy, your mobile phone is covered for damage, theft, and accidental damage. You can initiate a claim online or by calling their support number. Provide them with your policy details and information about the damage to your phone. They will guide you through the next steps, which may include providing proof of purchase or evidence of the damage.
It's important to note that the phone replacement process can vary between insurance providers, and specific steps may differ based on your location and the specifics of your plan. Be sure to review the terms and conditions of your insurance plan to understand the coverage, exclusions, and any deductibles or fees associated with the replacement process.
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Insurance claim requirements
- Report the Damage: Contact your insurance provider as soon as possible after the screen is broken. They will guide you through the claims process and let you know about any specific requirements or documentation needed.
- Provide Proof of Purchase: You will likely need to provide proof of purchase for your phone, such as a receipt or invoice. This helps the insurance company verify that you are the owner of the device and that it was purchased recently.
- Proof of Insurance: You will need to provide proof that your phone was insured under the relevant insurance policy at the time of the damage. This could be in the form of policy documents, certificates of insurance, or other relevant paperwork.
- Description of Damage: Be prepared to describe how the screen was broken. Insurance companies may have specific criteria for what constitutes a valid claim, such as accidental damage or mechanical failure. Take clear photos of the damaged screen as evidence.
- Deductible Payment: In many cases, there will be a deductible amount that you need to pay out-of-pocket before the insurance company covers the rest of the repair or replacement costs. This amount varies depending on the insurance provider and your specific plan.
- Approved Repair Facilities: Some insurance companies may require you to use their approved repair facilities or certified technicians to fix your phone screen. Make sure to follow their instructions carefully to ensure your claim is approved and covered.
- Timely Filing: Most insurance policies have a time limit for filing claims after an incident occurs. File your claim as soon as possible to avoid any issues with timing.
It is important to carefully review the terms and conditions of your specific insurance plan to understand the exact requirements and coverage for a broken phone screen. Different insurance providers, such as Verizon, T-Mobile, and Allstate, may have varying processes and benefits.
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Protection plans for cracked screens
Verizon Mobile Protect, for example, offers unlimited cracked screen repairs at no extra cost for select smartphones. They also provide access to in-person device checkups, 24/7 tech support, and digital security tools. However, there is a $99 damage deductible unless the loss/theft deductible is less than $99, in which case the deductible is the same as the loss/theft amount.
T-Mobile's Protection 360™ is another popular option, providing comprehensive device protection. It covers repair or replacement for loss, theft, accidental damage (including $0 front screen repairs), and mechanical and electrical failure, even after the manufacturer's warranty expires. The monthly cost ranges from $7 to $25 per device, and the deductible varies based on the device model and claim type.
Allstate Protection Plans also cover cracked screens and common malfunctions like battery failure. They offer a unique service where a certified technician will come to your location of choice and repair your broken screen. A deductible applies to all smartphone claims, typically $149, regardless of the device type, model, or claim reason.
When considering a protection plan, it's important to review the eligibility requirements, enrolment process, and any limitations or exclusions. Additionally, some plans may have specific requirements regarding the timing of enrolment and the condition of the device. It's also worth noting that protection plans may be bundled with insurance and service contract plans, offering additional benefits like technical support and security apps.
Overall, protection plans for cracked screens provide valuable peace of mind and can save you from the hassle and expense of repairing or replacing your device in the event of accidental damage.
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Frequently asked questions
It depends on your insurance provider and your plan. Some insurance providers, like T-Mobile, offer device protection plans that cover repairs or replacements for accidental damage, including cracked screens. Other providers, like Verizon, may require you to have a specific plan, such as Verizon Mobile Protect, to be eligible for cracked screen repair or replacement. It's important to review the terms and conditions of your insurance plan to understand what is covered and what steps you need to take to make a claim.
The best way to file a claim depends on your insurance provider and plan. Many insurance companies offer online portals or apps where you can file a claim, while others may require you to call or visit a physical location. For example, T-Mobile allows you to file claims online or through the Protection 360 app, while Verizon may require you to visit a Verizon-Authorized repair facility.
Yes, there may be costs associated with replacing a broken screen through insurance. Some plans may have a deductible, which is an out-of-pocket expense that you need to pay before the insurance coverage kicks in. The amount of the deductible can vary depending on your device and the type of claim. Additionally, there may be processing fees or service fees associated with the replacement.
The replacement time can vary depending on your insurance provider and plan. Some companies, like Verizon, offer fast replacement services and may be able to replace your phone in as little as a few hours. Others may take a few days or more, depending on factors such as technician availability and parts inventory.
Yes, there are alternatives to insurance for replacing a broken screen. You can consider third-party repair options, which may be more cost-effective if your insurance plan has a high deductible or does not cover cracked screens. Additionally, some credit cards offer phone insurance if you pay your phone bill using their card. You can also look into protection plans offered directly by the device manufacturer, such as AppleCare for Apple devices.
