Paul Sanchez
AT&T offers two insurance plans, Protect Advantage and Protect Advantage for 1, which cover smartphones and other connected and non-connected devices such as smartwatches, tablets, laptops, and home phones. The plans cover screen and back glass repairs, battery replacements, theft, loss, and accidental damage. However, AT&T's insurance plans are more expensive than other options, with a higher deductible and fewer claims allowed per year. Customers are not required to purchase insurance from their carrier or mobile network and may find better value by shopping around.
| Characteristics | Values | |
|---|---|---|
| Devices Covered | Smartphones, smartwatches, tablets, laptops, and home phones | |
| Types of Damage Covered | Screen and back glass repairs, battery replacements, physical damage, theft, or loss | |
| Number of Devices Covered | Up to four devices | |
| Cost | $14 or $17 a month | |
| Maximum Device Value per Claim | $3,500 | |
| Number of Claims | Unlimited | |
| Deductible | Up to $299 | |
| Claims Process | Claims are handled by Asurion Protection Services, LLC. Customers can initiate the process by visiting the ATT Claims | Asurion website or calling 888.562.8662 |
| Replacement Equipment | May be a different brand, model, or color | |
| Open Enrollment | Available in select areas for eligible devices |
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What You'll Learn
AT&T Protect Advantage for 1
To be eligible for a repair or replacement, customers must enrol in the plan within 30 days of activating or upgrading their device. The plan covers loss, theft, accidental damage, and out-of-warranty malfunctions. However, it is important to note that intentional damage, cosmetic damage, and device failures due to faulty parts or workmanship are excluded from the coverage.
The deductible amount for a device may change during its lifecycle, and it is calculated based on the device and the tier it falls into. AT&T Protect Advantage for 1 also offers ProTech support, which includes assistance with password and access-control-oriented problems. This support is provided through various means, including call, interactive voice response, messaging, web, and in-store.
Customers can initiate the insurance claim process by visiting the ATT Claims | Asurion website or calling 888.562.8662. They will be asked questions to determine the issue with their device and will be provided with repair or replacement options. It is recommended to file the claim within 60 days of the incident. If the device is lost or stolen, customers should contact AT&T to temporarily suspend their service and prevent unauthorised use.
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$16.9 $59.95
Screen and back glass repairs
AT&T's insurance options for screen and back glass repairs vary, but one option is to pay a deductible per month to Asurion, an insurance agency for phones (and home devices with an additional cost). Asurion will determine whether your phone is eligible for just a screen replacement or if it needs a complete replacement based on the damage and valuation of the phone. It is important to note that Asurion will only replace one glass; if both the front and back glasses are damaged, they will automatically replace the entire phone. The cost of screen replacement through Asurion is $29, and the back glass replacement is also $29. However, some users have reported issues with Asurion, stating that they had to pay a $275 "replace my phone" fee even when only the screen was damaged. Additionally, Asurion's services are not available in all areas, so it is essential to check their availability in your location.
Another option for screen and back glass repairs is Protection 360™, a complete device protection program offered by T-Mobile. This program covers repair or replacement for loss, theft, accidental damage, and mechanical and electrical failure, even after the manufacturer's warranty expires. Protection 360™ offers $0 front screen repairs and $29 back glass repairs for eligible smartphones through Assurant-authorized repair centers. It is important to note that this program may have different costs and benefits depending on your device model and claim type.
AT&T also offers unlimited screen and back glass repairs with same-day replacement and setup. This option includes unlimited battery replacements, photo and video storage, and ProTech expert support.
When considering insurance options for screen and back glass repairs, it is essential to review the terms and conditions carefully, as different providers may have varying levels of coverage and exclusions. Additionally, it is worth exploring authorized repair centers or AT&T stores to understand their repair options and costs. Screen damage can affect the digitizer and LCD, often requiring a replacement of the entire display assembly. Applying a screen protector after a repair can help prevent future damage.
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Loss, theft, accidental damage
AT&T offers insurance options for loss, theft, and accidental damage through its Protect Advantage plans. These plans provide coverage for one or up to four devices, with benefits such as same-day device repairs, replacements, and setup. The plans offer unlimited claims for accidental damage from handling (ADH) and out-of-warranty malfunctions, as well as unlimited claims for loss, theft, and physical damage (excluding ADH).
In the event of loss, theft, or accidental damage, AT&T's insurance obligations are to repair or replace the covered property at their sole option. This includes physical damage, theft, or loss by mysterious disappearance or other unintentional permanent loss of possession. Mechanical or electrical failure is also covered. However, it's important to note that any property or equipment that is not listed as covered property will not be insured. Additionally, there are specific exclusions, such as contraband, property in illegal transportation or trade, and property in transit from a manufacturer or seller that is not an authorized service facility.
AT&T's insurance plans also provide coverage for cosmetic damage that does not affect the function of the device, including scratches, marring, and changes in colour, texture, or finish. Other covered incidents include unauthorized repair or replacement, discharge or release of pollutants, errors or omissions in design or programming, and governmental action resulting in property seizure or destruction. To be eligible for a repair or replacement, customers must enrol in one of the two phone insurance plans and pay a deductible amount based on their device and tier.
In the case of loss or theft, customers are required to notify AT&T's authorized representative even if their claim has already been completed. If AT&T replaces the covered property and later recovers it, the customer must return it using the provided return mailer within ten days to avoid a non-returned equipment charge. Additionally, customers must permit AT&T to inspect the property and records related to the loss and cooperate in the investigation of the claim.
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Out-of-warranty malfunctions
AT&T offers insurance for out-of-warranty malfunctions, which is available with its postpaid wireless plans. This insurance is optional and covers physical damage, theft, or loss by mysterious disappearance or other unintentional permanent loss of possession. Mechanical or electrical failure is also covered, but device failures due to faulty parts or workmanship are excluded.
AT&T's insurance plans cover a wide range of devices, including smartphones, smartwatches, tablets, laptops, and home phones. The plans offer screen and back glass repairs, battery replacements, and protection against loss, theft, and accidental damage.
To be eligible for a repair or replacement for out-of-warranty malfunctions, customers must enrol in one of the two Protect Advantage insurance plans within 30 days of activating or upgrading their device. The base plan, 'AT&T Protect Advantage for 1', costs $14 or $17 a month and allows for an unlimited number of claims, with a maximum device value of $3,500 per claim. The higher plan covers up to four devices, with the primary device registered on the AT&T wireless network.
AT&T's insurance plans have a standard deductible of up to $299, which is higher than that of its competitors. This deductible is calculated based on the device and its tier. Additionally, customers are limited to two or three claims per year. Due to these limitations and higher costs, some professionals recommend exploring other insurance options before purchasing AT&T's phone insurance.
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Deductible and monthly costs
AT&T offers two insurance plans under the 'AT&T Protect Advantage' brand, which are available with the carrier's postpaid wireless plans. The base plan is called 'AT&T Protect Advantage for 1' and costs $14 or $17 a month. Under this plan, you can file an unlimited number of claims, with a maximum device value of $3,500 per claim. The higher plan covers up to four devices and costs $17 a month.
The monthly costs for AT&T's insurance plans are billed to your wireless account, and you can add the additional three devices to the higher plan anytime you want. However, AT&T's smartphone insurance and device protection provisions are considerably more expensive than other insurance options. For example, Upsie's smartphone protection plans cost just $7.99 per month.
In addition to the monthly costs, customers must also pay a deductible amount, which is calculated based on the device and the tier it falls into. Some devices may be moved to a different deductible tier during their lifecycle. AT&T charges a standard deductible of up to $299, which is higher than most other carriers and insurance providers. This means that customers with Samsung's latest Galaxy smartphone must pay an additional $299 in the event of a claim.
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Frequently asked questions
AT&T's insurance plans cover screen and back glass repairs, battery replacements, theft, loss, and out-of-warranty malfunctions.
AT&T offers two insurance plans: AT&T Protect Advantage for 1 and AT&T Protect Advantage. The former is a combination of Protect Insurance for 1, Protect Service Contract for 1, and ProTech for 1.
The base plan, AT&T Protect Advantage for 1, costs $14 or $17 a month. The higher plan, AT&T Protect Advantage, costs $17 a month.
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