Alyssa Lane
Verizon offers insurance and device protection plans that cover lost, stolen, or damaged phones. The company provides a range of options, including Verizon Mobile Protect, Verizon Extended Warranty, and Wireless Phone Protection. These plans offer varying levels of coverage for different types of damage, such as cracked screens, water damage, and post-warranty malfunctions. Depending on the specific plan, customers may be eligible for device repairs or replacements, with deductibles and claim limits applying in some cases. To file a claim, customers can refer to Verizon's website and resources, which outline the steps to take in the event of a damaged device.
| Characteristics | Values |
|---|---|
| Device Protection Options | Verizon Mobile Protect, Verizon Mobile Protect Multi-Device, Wireless Phone Protection, Verizon Extended Warranty, Total Equipment Coverage |
| Coverage | Loss, theft, damage (including water damage), post-warranty malfunctions |
| Cost | $4.95, $7.95, $4.25, $5.25, or $8.25 per month depending on the device type and location |
| Claims | File an unlimited number of claims in a 12-month period (excluding cracked-screen repair claims) |
| Replacement | Device replacement maximum of $400 or $3,000 depending on the device |
| Deductible | $99 damage replacement deductible; deductibles vary by device |
| Eligibility | Enroll within 30 days of purchasing a new device and activating it on a new line, upgrading to a new device on an existing line, or bringing your own device and activating it on a new line |
| Enrollment | Available during open enrollment periods; the next one is from 3/27/25 through 5/26/25 |
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What You'll Learn
Verizon's insurance covers loss, theft, and damage
Loss Coverage
Verizon insurance provides coverage for lost devices, helping you replace your phone if it's misplaced or cannot be found. This gives you reassurance that you won't be left stranded without a phone. To be eligible for loss coverage, you must enroll in a Verizon device protection option, such as Wireless Phone Protection or Verizon Mobile Protect.
Theft Coverage
Theft coverage is a crucial aspect of Verizon's insurance. It protects you in the unfortunate event that your device is stolen. With this coverage, you can file an insurance claim and receive a replacement device, minimizing the financial burden of replacing your phone. Remember to report any unauthorized use and dispute fraudulent charges on your Verizon account promptly.
Damage Coverage
Verizon's insurance also covers various types of damage to your device. This includes physical damage, such as cracked screens or water damage, as well as post-warranty malfunctions. If your device experiences electrical or mechanical issues, such as power or charging problems, Verizon's insurance can help with repairs or replacements. The insurance even offers unlimited cracked glass repairs for select smartphones with a $0 deductible.
Filing a Claim
Filing an insurance claim with Verizon is straightforward. You can refer to their File a Claim FAQs for detailed instructions. It's important to note that you must be enrolled in a Verizon device protection option to be eligible for coverage. Additionally, there may be deductibles associated with filing a claim, and these deductibles vary based on your device and the nature of the claim.
In summary, Verizon's insurance provides comprehensive coverage for loss, theft, and damage. By enrolling in their device protection options, you can rest assured that your phone is protected against a range of unfortunate events. Remember to review the specific terms and conditions of your chosen device protection plan to fully understand what's covered and what steps to take when filing a claim.
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Coverage includes water damage and cracked screens
Verizon offers a range of insurance and device protection plans for damaged phones, including cracked screens and water damage. These plans vary in their specifics, but they generally provide coverage for physical damage to devices, including cracked screens and water damage.
One option is Verizon's Wireless Phone Protection, which covers loss, theft, and damage, including water damage and cracked screens. This plan offers next-day device replacement and unlimited cracked glass repair for select smartphones for a $0 deductible. However, it's important to note that this service is not available in Florida, where Verizon offers alternative coverage for post-warranty malfunctions.
Another option is Verizon Protect, which covers water damage and may provide eligibility for a full, same-day replacement. This plan also includes Total Mobile Protection, which offers unlimited cracked screen repairs for select eligible devices at a cost of $29 each time.
To file a claim for a damaged device, Verizon customers can go to Asurion's website. It is important to note that a device ID is required to file a claim. Additionally, Verizon offers a Tech Coach service for personalized support and guidance on repairs, available for a separate purchase for $9 per month.
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Malfunctions are not covered under device insurance
Verizon offers a range of device protection options for customers, including insurance and warranty services. However, it's important to note that malfunctions are not covered under standard device insurance. Malfunctions refer to mechanical or electrical breakdowns, such as the inability to power on, a non-functioning microphone, a non-working charging port, or a battery that doesn't hold a charge. These issues are typically covered by the manufacturer's warranty or, in some cases, by extended warranty options.
Verizon's device protection options vary, and it's essential to understand the differences. For example, Wireless Phone Protection is a service that provides coverage for loss, theft, and damage, including water damage and cracked screens. This protection can be especially useful if you want to avoid the cost of a new device or repairs. However, it is different from device insurance, which does not cover malfunctions.
In the case of Florida customers, Verizon offers unique coverage options. Total Equipment Coverage and Verizon Extended Warranty are not available in Florida. Instead, Wireless Phone Protection provides coverage for post-warranty malfunctions, filling the gap left by the absence of the other two coverage options. This coverage is subject to a damage deductible and claim limits.
To clarify, a malfunctioning device is different from a damaged one. Damage refers to issues like cracked screens, water damage, or physical damage caused by outside forces. If your device is damaged, you may be able to file an insurance claim, depending on your specific plan. However, malfunctions resulting from mechanical or electrical failures are generally not covered by standard device insurance.
To ensure you have the right protection for your device, it's important to review the terms and conditions of your Verizon plan. Check the Services & Perks page in your My Verizon account to understand your coverage options and determine if you need to add any additional protection. By taking the time to review your plan details, you can make an informed decision about protecting your device against malfunctions and other types of damage.
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Total Equipment Coverage is not available in Florida
Wireless Phone Protection can be purchased for $4.95 or $7.95 per month, depending on the device type. In the case of a lost, stolen, or damaged device, a deductible must be paid. To qualify for Wireless Phone Protection, you must enroll within 30 days of purchasing a new device and activating it on a new line. Alternatively, you can upgrade to a new device on an existing active line, or bring your own device and activate it on a new line of service.
If you have Total Equipment Coverage in another state, you can file an unlimited number of claims in a 12-month period, excluding cracked-screen repair claims, with a device replacement maximum of $400 or $3,000 depending on the device. You can cancel your device protection option at any time and receive a prorated refund of your monthly charge.
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Filing a claim is easy and can be done online
If your device is damaged, lost, stolen, or malfunctioning, you may be eligible to file an insurance claim with Verizon. Filing a claim is easy and can be done online.
First, you need to check if you are enrolled in a Verizon device protection option. You can do this by logging into your My Verizon Account and checking the Services & Perks page. If you have more than one device on your account, select the device you want to check. If you are not enrolled in device protection, you can refer to the Repair or Replace Mobile Devices FAQs for replacement options.
If you are enrolled in device protection, you can file a claim on Asurion's website. You will need your Device ID to file a claim. You can also check Asurion's website to find out the deductible for your specific device. Deductibles vary by device and the amount you will need to pay depends on whether you receive a replacement or are eligible for cracked glass repair.
Verizon offers an unlimited number of claims in a 12-month period, with a device replacement maximum of $400 or $3,000 depending on the device. You can also cancel your device protection option at any time and receive a prorated refund of your monthly charge.
For Florida customers, Total Equipment Coverage and Verizon Extended Warranty are not available. Instead, Wireless Phone Protection provides coverage for post-warranty malfunctions, and a damage replacement deductible and claim limits apply.
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Frequently asked questions
Verizon insurance provides coverage for loss, theft, and damage (including water damage and cracked screens). Depending on the device, you may be offered a replacement device or repair.
The cost of Verizon insurance depends on the device type and the number of lines with eligible devices on your account. For Nationwide customers, Wireless Phone Protection costs $4.95 or $7.95 per month. For New York customers, it costs $4.25, $5.25, or $8.25 per month.
You can file a claim on Asurion's website. You will need your Device ID to do so.
You can cancel your device protection option at any time and receive a prorated refund of your monthly charge.
Verizon insurance does not cover malfunctions, which are defined as mechanical or electrical breakdowns.
