Haris Ashley
AT&T offers insurance and protection plans for devices such as phones, tablets, and laptops. These plans are available for both personal and business use, with the option to insure multiple lines under the same plan. AT&T's insurance plans are provided in collaboration with Asurion Protection Services, LLC, and CNA, a Continental Casualty Company. The plans cover device protection against loss, theft, accidental damage, and out-of-warranty malfunctions, with additional benefits such as screen repair and ProTech support. However, it's important to note that there are limitations and exclusions to the coverage, as outlined in the terms and conditions. The cost of the insurance plans varies, with some users reporting a monthly fee of $40 for two lines.
| Characteristics | Values |
|---|---|
| Insurance Provider | Asurion Protection Services, LLC |
| Insurance Underwriter | Continental Casualty Company, a CNA Company (CNA) |
| Insurance Cost | $40 a month for 2 lines |
| Insurance Coverage | Covers devices against loss, theft, accidental damage, and out-of-warranty malfunctions. |
| Limitations and Exclusions | Intentional damage, cosmetic damage, and device failures due to faulty parts or workmanship are excluded. |
| Screen Repair Deductible | $29 |
| Battery Replacement Warranty | 60 days |
| Claim Approval | Eligibility is determined at the time of claim approval and is subject to certain criteria. |
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What You'll Learn
Phone insurance and device protection
AT&T offers phone insurance and device protection for its customers. This insurance covers devices such as phones, tablets, and smartwatches, protecting them against breakdowns and damage.
The insurance is provided by Asurion Protection Services, LLC, and is subject to certain terms and conditions, limitations, and exclusions. For example, intentional damage, cosmetic damage, and device failures due to faulty parts or workmanship are not covered. The device must also be in good working order and undamaged at the time of enrollment.
AT&T's device protection plan offers same-day replacement for select devices in certain areas, subject to parts and technician availability. Claims must be filed and approved by 4 pm, and eligibility is determined at the time of claim approval. This insurance takes precedence over any other insurance the customer may have.
AT&T Protect Advantage is another insurance plan offered by the company, which covers devices outside of the manufacturer's warranty period that power on but fail to hold an adequate charge after ProTech diagnostic testing. Without this protection, customers risk paying the full retail price to replace their device.
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Insurance for small businesses
AT&T offers device protection insurance for phones and other tech devices. This includes same-day replacement for select devices in certain areas, subject to parts and technician availability.
Now, here is the information on insurance for small businesses:
Small businesses face unique risks and challenges, and having the right insurance coverage is essential to protect their assets and income. While the specific insurance requirements vary by state, here are some common types of insurance that small businesses may need:
- Commercial Property Insurance: This type of insurance helps protect your business's physical assets, including owned or rented buildings, equipment, and tools. It provides coverage in the event of loss or damage due to accidents, natural disasters, or seasonal events.
- Business Income Insurance: Also known as business interruption coverage, this insurance replaces lost income if your business cannot operate due to covered property damage, such as fire, wind, or theft.
- Professional Liability Insurance: This type of insurance protects your business against claims of professional negligence or errors in the services or advice provided to clients. It helps cover legal fees and compensation associated with lawsuits.
- General Liability Insurance: This coverage protects your business from third-party claims involving injuries or property damage, such as slip and fall accidents or broken windows.
- Commercial Auto Insurance: If your business uses vehicles for travelling to job sites, deliveries, or other work-related tasks, commercial auto insurance is essential. It provides liability and physical damage protection for your business vehicles.
It is important to assess your business's specific needs and risks and consult with a reputable licensed agent to determine the most appropriate insurance policies for your small business. Shopping around and comparing rates, terms, and benefits from different insurance providers can help you find the best coverage at a competitive price.
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Screen repair
AT&T offers screen repair as part of its insurance plans. The cracked screen repair option is included with your insurance plan when you have an eligible device. There is a deductible of $89 for cracked screen repair. The screen repair deductible is often less than the deductible for replacing the covered device or purchasing a new one.
Customers must be enrolled in an AT&T device protection plan to get the screen repair service, and they can enroll within 30 days of device activation or upgrade. Repairs are performed by an Asurion-certified technician and come with a 12-month warranty. Repairs may use new or refurbished parts and may contain original or non-original manufacturer parts. Some colours of eligible devices are not covered.
AT&T also offers same-day repair appointments, subject to technician availability in the service area. The claim must be approved by 2 p.m. local time to be eligible for same-day repair.
Some customers have expressed dissatisfaction with AT&T's screen repair insurance. There have been instances where customers have been charged more than initially quoted, and there may be delays in receiving a response to insurance claims. In some cases, it may be more cost-effective to replace the entire phone rather than just the screen, depending on the device's overall cost.
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Limitations and exclusions
AT&T offers insurance for phones and devices, including tablets and laptops, for personal and business use. The insurance is provided by Asurion Protection Services, LLC, and underwritten by Continental Casualty Company, a CNA company.
AT&T's device insurance does come with limitations and exclusions. Some of these include:
- Intentional damage, cosmetic damage, and device failures due to faulty parts or workmanship are excluded.
- The device must be undamaged and in good working order at the time of enrollment.
- The insurance does not cover colours, features, and accessory compatibility.
- Claims must be filed and approved by 4 pm for same-day replacement, which is subject to parts and technician availability.
- The screen repair deductible is $29, and the battery replacements come with a 60-day limited warranty.
- The insurance coverage may duplicate that of other personal insurance policies, such as auto, homeowner's, renter's, or personal liability insurance.
- AT&T associates are not qualified or authorised to evaluate the adequacy of existing insurance coverage.
- The insurance is provided on a month-to-month basis, and coverage is only valid while the policy is in effect.
- In the case of arbitration, a decision must be issued within three months, or the insured may proceed to court.
It is important to carefully review the terms and conditions of any insurance policy to understand the complete list of limitations and exclusions.
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Deductibles
AT&T offers insurance for mobile devices, which covers the replacement or repair of the device in the event of a loss. The insurance is provided on a month-to-month basis and is subject to certain terms and conditions.
Regarding deductibles, AT&T's insurance program requires the policyholder to satisfy a non-refundable deductible in the event of a loss. This deductible amount is specified in a deductible schedule outlined in the insurance terms. Additionally, there may be an additional non-returned equipment charge if the covered property is not returned as directed at the time of the loss. This charge applies for reasons other than loss or theft.
It is important to note that the policyholder must cooperate with the investigation of any claims, providing the necessary information and permitting the inspection of property and records related to the loss. Failure to satisfy the required deductible or return damaged equipment as requested may result in a breach of the insurance terms.
The AT&T Mobile Insurance Terms and Conditions also mention that the policyholder must not have engaged in fraud or abused the insurance program. There are limitations and exclusions to the insurance coverage, such as intentional damage, cosmetic damage, and device failures due to faulty parts or workmanship.
While the specific deductible amounts are not publicly available, AT&T's insurance program offers protection for mobile devices against covered breakdowns for a low price. The average household invests over $11,000 in technology, and AT&T's device protection plan allows for unlimited claims.
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Frequently asked questions
AT&T offers insurance for phones and devices through a company called Asurion Protection Services, LLC. The insurance covers devices in the event of loss, theft, or accidental damage, and offers screen repair services for select smartphone models.
AT&T's insurance coverage includes protection for eligible wireless phones outside of the manufacturer’s warranty period, as well as tablets and laptops for business customers. The insurance also provides unlimited photo and video storage and access to live ProTech support.
The cost of AT&T insurance varies depending on the number of lines and devices covered. Some customers have reported paying $40 per month for insurance on 2 lines.
AT&T insurance does not cover intentional damage, cosmetic damage, or device failures due to faulty parts or workmanship. It is important to review the terms and conditions of the insurance plan to understand the specific limitations and exclusions.
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