Orlando Harmon
Assurant is a phone insurance company that provides damage coverage plans. It has received mixed reviews, with some customers praising its quick and easy claims process, excellent customer service, and affordable prices, while others have complained about issues with receiving their replacement phones, poor customer service, and denial of claims. Assurant has been recognised by TIME and Forbes for its diversity and inclusion efforts, but some users have accused the company of unfair and deceptive trade practices, including altering estimates and delaying claims. With nearly a dozen carriers working with Assurant, it's important to note that your cost and coverage depend on your provider.
| Characteristics | Values |
|---|---|
| Customer Service | Positive reviews praise Assurant's customer service, describing staff as "helpful", "amazing", "thorough", "polite", and "extremely kind". Negative reviews describe staff as "brusque and uncaring", and claim that Assurant's customer service agents "don't really care or understand". |
| Ease of Use | Positive reviews describe the process of filing a claim as "quick and easy", "seamless", "super easy", and "cost-effective". Negative reviews claim that Assurant's process is "terrible", with one reviewer stating that they were "without a phone for 3 weeks". |
| Trustworthiness | Assurant has been recognised by TIME and Statista Inc. as one of the World's Best Companies in 2024. It has also been named to the Forbes list of Best Employers for Diversity for five consecutive years. However, some negative reviews accuse Assurant of "unfair and deceptive trade practices", "fraud", and "purposeful delays". |
| Affordability | Positive reviews describe Assurant's plans as "affordable and reasonable", with one reviewer stating that they received a "great phone for a great price". Another reviewer states that they "wouldn't have switched to T-Mobile" if they had known about the issues with Assurant's insurance claims. |
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What You'll Learn
Assurant's Trustpilot rating
Assurant has received mixed reviews on Trustpilot, with ratings ranging from "excellent" to "bad". As of March 2025, Assurant has a rating of 4.4/5 on Trustpilot, with over 26,000 reviews. Many customers have praised Assurant for their quick and easy claims process, as well as their high-quality customer service. Some reviews highlight the convenience and speed of their services, with one customer stating that their "phone arrived very quickly".
On the other hand, the Trustpilot page of Assurant UK shows a rating of 1.7/5, with over 2000 reviews. Several customers have expressed their dissatisfaction with the company, particularly regarding car warranty policies. Some reviews mention issues with getting repairs or replacements within the specified timeframe, with one customer claiming that Assurant tried to "deliberately delay resolving the issue".
It is worth noting that Trustpilot takes measures to safeguard its platform from fake reviews. The site allows anyone to write a review and gives users ownership over their reviews, enabling them to edit or delete them at any time. Additionally, companies cannot pay to hide any reviews, and reviews labelled as "Verified" are confirmed to be from genuine experiences.
Beyond Trustpilot, Assurant has received recognition from various organizations. For instance, they were included in the Forbes list of Best Employers for Diversity for five consecutive years and Newsweek's America's Most Responsible Companies List for 2025. Assurant was also recognized as a great place to work in 13 countries, including the United States, the United Kingdom, and Japan.
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Customer service
Assurant is a phone insurance company that provides damage coverage plans. Its insurance plans are available through several cell phone providers, with costs depending on the mobile carrier's rates.
Reviews of Assurant's customer service are mixed. While some customers have praised the company for its fast, friendly, and helpful service, others have complained about issues with the company's handling of their claims and repairs.
Some positive reviews mention the seamless and user-friendly process of filing a claim online, with one customer stating that their experience was "immaculate". Others commend Assurant's customer service agents for their helpfulness, thoroughness, and politeness. Several reviews highlight the speed and efficiency of the claims process, with some customers receiving their replacement devices overnight.
On the other hand, negative reviews cite issues with Assurant's repair and replacement process. Some customers have experienced difficulties in scheduling repairs, with one review mentioning a total of five hours spent at the repair shop without a resolution. There are also complaints about Assurant "bricking" recovered phones, rendering them unusable, and issues with deductibles and claim denials.
It is worth noting that Assurant has responded to some of these negative reviews, working towards resolving the issues and thanking customers for their feedback. While the majority of the reviews mention positive experiences with Assurant's customer service, there are a few instances where the company's handling of claims and repairs has fallen short of expectations.
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Affordability
Assurant phone insurance offers affordable options for those who want to save money and higher-priced options for those who want the best coverage for their devices. The cost of Assurant insurance varies depending on your mobile carrier, with some carriers offering several tiers with different deductibles and others offering a single cost. For example, U.S. Cellular offers Assurant insurance for $9.99 to $11.99 per month. Assurant covers a range of issues that aren't typically included in a manufacturer's warranty, such as theft, spills, loss, and general malfunction, making it a good safety net for those who want to protect their phones without breaking the bank.
In addition to the affordable monthly costs, Assurant also provides a fast and affordable option to repair your phone. They have 500 retail and in-store repair stores across the US and Canada, making it convenient and accessible for customers to get their devices fixed. The process of filing a claim and getting a replacement phone is generally straightforward and cost-effective, with some customers receiving their replacement phones quickly and efficiently. Assurant also covers device hardware after your manufacturer's warranty expires, which can save you money in the long run.
While Assurant offers affordable plans, it's important to note that there may be additional costs for specific repairs or services. Some providers may require a deductible or service fee for certain types of repairs, so it's essential to review the specific plans and offerings from your mobile carrier. Additionally, there have been some mixed reviews regarding the customer service experience, with some customers reporting delays and issues with receiving their replacement phones. However, many customers have also praised Assurant for their excellent and helpful customer service, highlighting the affordability and ease of the insurance process.
Overall, Assurant phone insurance provides a range of affordable options to suit different budgets and needs. With their coverage of issues beyond the standard manufacturer's warranty and their extensive repair network, Assurant offers a cost-effective way to protect your device. While there may be variations in pricing and service depending on your mobile carrier, Assurant is a good choice for those seeking affordable phone insurance without compromising on the features and coverage they need.
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Ease of filing a claim
Assurant is a phone insurance company that provides damage coverage plans. The company has received mixed reviews regarding the ease of filing a claim. While some customers have praised the company for its quick and easy claim-filing process, others have complained about issues with lost or delayed shipments, incorrect replacement models, and poor customer service.
On the positive side, Assurant has been recognised for its diversity and inclusion efforts, ranking on the TIME list of World's Best Companies in 2024 and Forbes' Best Employers for Diversity. The company has also received positive reviews from customers who found the process of filing a claim to be straightforward and efficient. One customer shared their experience of filing a claim for a screen repair, describing the process as "super easy and cost-effective". Similarly, another customer highlighted the ease of filing a claim for their vehicle, stating that the process was "quick and easy".
However, there are also negative reviews from customers who encountered challenges when filing claims. Some customers have reported issues with lost shipments, delayed replacements, and incorrect models being sent as replacements. For example, one customer shared their experience of filing a claim, only to be told that their phone model was not in the system, leading to a prolonged wait for a replacement. Another customer encountered issues when their phone was lost during shipment back to Assurant, and they were subsequently charged for the device.
It's important to note that people are more likely to share negative experiences than positive ones. While Assurant has received some criticism, there are also customers who have had positive experiences with the company's claim-filing process. Overall, Assurant has a rating of 4.4/5 on Trustpilot, indicating that a significant number of customers have had satisfactory experiences.
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Coverage
Assurant is a phone insurance company that provides damage coverage plans. Its insurance plans are available through several cell phone providers, with costs depending on the mobile carrier's rates. The company offers protection plans that cover various situations, including theft, loss, water damage, cracks, and hardware issues. This coverage provides financial protection if something happens to the phone, which is essential as cellphones become more expensive.
Assurant's coverage includes cracked screens under certain packages that include accidental damage coverage, although there is usually an extra service fee. The company offers refurbished phones of similar quality as replacements, and if none are available, they provide a new phone. All replacement phones come with a six-month warranty. Assurant is only available through phone carriers, so the cost and coverage depend on the provider.
The company has received mixed reviews for its phone insurance services. Some customers have praised Assurant for its seamless and user-friendly process, excellent customer service, and timely delivery of replacement phones. On the other hand, some customers have expressed dissatisfaction with issues such as being charged for lost phones, difficulties in scheduling repair appointments, and receiving low-quality refurbished phones.
Assurant offers 24/7 claims reporting and provides customers with various options to file claims, including online and over the phone. The company has a high rating from AM Best, indicating financial stability and secure coverage. However, it has also received a concerning volume of customer complaints through the Better Business Bureau (BBB) and has mixed customer feedback.
In summary, Assurant phone insurance provides coverage for a range of issues, and its availability through mobile carriers makes it convenient for customers. While some have had positive experiences, others have encountered challenges, highlighting the importance of understanding the terms and conditions of the coverage and the claims process.
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Frequently asked questions
Assurant is a legitimate phone insurance company that provides damage coverage plans. It has been recognized for the second year in a row on the TIME list of World's Best Companies 2024.
Assurant offers protection plans that cover a variety of potential situations, including theft, loss, water damage, cracks, and hardware issues.
The cost of Assurant's insurance plans depends on your mobile carrier's rates and the specific plan you choose.
Assurant's insurance plans are only available through the mobile carriers it's partnered with, so you'll need to contact your provider to ask about availability, plans, and pricing.
Reviews of Assurant phone insurance are mixed. While some customers have reported positive experiences, praising the company for its easy claims process, quick delivery, and helpful customer service, others have complained about issues with denied claims, lost or delayed replacements, and poor customer service.
