Verizon Phone Insurance: What Are Your Options?

If you don't have phone insurance with Verizon, you can still get coverage for a device that's lost, stolen, or damaged. You can file a claim for a malfunctioning device that's covered by Verizon Home Device Protect. If your device is malfunctioning, your device protection may include post-warranty coverage. Your device protection option can be cancelled at any time and you can receive a prorated refund of your monthly charge. You can also activate another device you already own.

File a claim for a lost, stolen or damaged device

If you have Wireless Phone Protection, you can file a claim for a lost, stolen or damaged device. You must be the Account Owner or Account Manager to file a claim, which requires you to be able to validate your account credentials. You will need your Device ID, which can be found on the My Devices page in My Verizon. You will also need to pay Asurion the applicable deductible at the time of claim filing.

To file a claim, select the Menu icon in the top left corner, then select Devices. Scroll to the device that is lost, stolen or damaged and select Manage device. Select Lost, stolen, or damaged device? Start a claim. Enter the requested information and follow the on-screen prompts to finish filing your claim.

If you don't have Wireless Phone Protection, you can still file a claim if you have one of the following Verizon device protection options: Verizon Mobile Protect or Verizon Mobile Protect Multi-Device. If you don't have any device protection, you can refer to Verizon's Repair or Replace Mobile Devices FAQs for replacement options based on the issue you're experiencing.

Florida customers should note that Total Equipment Coverage and Verizon Extended Warranty are not available. However, Wireless Phone Protection provides coverage for post-warranty malfunctions, and Florida customers can file a claim on Asurion's website or by calling (888) 881-2622.

Check device protection options

If you are a Verizon customer and your phone is lost, stolen, or damaged, you may be eligible for a replacement or repair. The first step is to check what device protection options you have in your My Verizon Account.

Verizon offers Wireless Phone Protection, which can help repair or replace your device if it is lost, stolen, or damaged. This includes water damage and cracked screens, though cracked glass repair is only eligible for select smartphones. This protection costs $4.95 or $7.95 per month for Nationwide customers, and $4.25, $5.25, or $8.25 per month for New York customers, depending on the device type.

If you are a Florida customer, Wireless Phone Protection provides coverage for post-warranty malfunctions, but Total Equipment Coverage and Verizon Extended Warranty are not available. You can also activate another device you already own.

Verizon Home Device Protect provides coverage for eligible home tech and premium tech support, including 24/7 premium tech support, in-person device refresh, and more.

If your device is malfunctioning, your device protection may include post-warranty coverage. This includes mechanical or electrical breakdowns, such as the inability to power on, a malfunctioning microphone, or a charging port that is not working. Malfunctions are not covered under device insurance.

You can also refer to the device protection brochure for more information about Verizon/Asurion device protection and replacing your device.

Repair or replace a device

If you are a Verizon customer with a damaged device and do not have insurance, you may still have options to repair or replace it. Here are some steps you can take:

Check your warranty

First, check if your device is still under warranty. If it is, your warranty may provide replacement, repair, and/or technical support for your mobile device. Your warranty may cover mechanical or electrical issues, such as the inability to power on, a malfunctioning speaker or microphone, a non-functioning charging port, or a battery that does not hold a charge. If your device is malfunctioning due to one of these issues, you may be eligible for a replacement or repair under your warranty.

Enquire about Verizon's device protection options

Verizon offers various device protection options, such as Wireless Phone Protection and Verizon Mobile Protect, which can help repair or replace your device if it is lost, stolen, or damaged. These services may be available for a monthly fee, and you may be able to enrol within a certain time frame after activating your device. Check with Verizon to see if you are eligible for any of these protection options and what the specific terms and conditions are.

File a claim

If you believe you have a valid claim, you can file it through Verizon's insurance or device protection programmes. You may need to provide information about your device, such as the Device ID, make, and model. There may be a deductible or fee associated with filing a claim, and the specific process may vary depending on your location and the type of device you have.

Explore repair options

Verizon offers repair services for cracked screens and other issues. Repairs may be performed in-store, by mail, or at your home, depending on your preference and availability. If your device is eligible for repair, you can schedule an appointment with a Verizon-authorised repair facility. Repairs may use new or refurbished parts and come with a limited warranty.

Consider replacement options

If your device cannot be repaired, Verizon may offer a replacement device. The replacement device may be new or refurbished, depending on availability. If you have Verizon Extended Warranty, you may receive expedited shipping for your replacement device at no additional charge.

Get post-warranty coverage

If you're a Verizon customer and your phone malfunctions after the manufacturer's warranty expires, you may be eligible for post-warranty coverage. Malfunctions are not covered under device insurance, but you can check your repair eligibility in My Verizon or by calling Verizon.

Verizon offers Extended Warranty, which provides either a repair or replacement if your device experiences an electrical or mechanical malfunction due to a manufacturing defect after the manufacturer's warranty expires. This includes issues such as the inability to power on, device speaker malfunction due to a microphone issue, a non-working charging port, or a battery that does not hold a charge. With Extended Warranty, you will receive expedited shipping for no additional charge for your replacement device during the coverage period.

To qualify for Extended Warranty, you must enrol within 30 days of purchasing a new device and activating it on a new line, upgrading to a new device on an existing active line, or bringing your own device and activating it on a new line of service. To enrol, go to the Services & Perks page in My Verizon, scroll to the Extended Warranty section, click "Get it now," and follow the prompts. You can also enrol via the My Verizon app by navigating to the Device Protection section, tapping "Learn More," selecting "Extended Warranty," and following the prompts.

It's important to note that Extended Warranty is not available in Florida or for Florida customers. In Florida, post-warranty coverage is provided by the insurance program, and device replacement deductibles and claim limits apply. Additionally, the battery replacement under the Extended Warranty program is only available for select smartphones and in select locations. Eligibility for coverage is determined at the point of claim.

Compare device protection plans

If you don't have phone insurance with Verizon, you can still get coverage for your device if it's lost, stolen, or damaged. Here are some options for device protection plans offered by Verizon:

Wireless Phone Protection

Wireless Phone Protection from Verizon offers coverage for loss, theft, and damage (including water damage and cracked screens). This plan provides next-day device replacement and unlimited cracked glass repair for select smartphones. The cost of this plan varies depending on your device type and location. For example, for Nationwide customers, the plan costs $4.95 or $7.95 per month, while for New York customers, it costs $4.25, $5.25, or $8.25 per month. It's important to note that a deductible may apply when filing a claim, and coverage for post-warranty malfunctions is not available in Florida.

Home Device Protect

Verizon's Home Device Protect provides coverage for eligible home tech devices in case of loss, theft, damage, or post-warranty malfunction. This plan also includes 24/7 premium tech support and in-person device refresh.

Credit Card Protection Plans

If you're looking for an alternative to traditional phone insurance, consider using a credit card that offers cell phone protection as a benefit. Some credit card companies, like Mastercard, offer coverage for accidental damage, loss, or theft of your phone when you use their card to pay your monthly bill. This can be a cost-effective way to get peace of mind without the need for separate insurance. However, it's important to note that the coverage provided by credit cards may vary, and it may not include lost phones or cosmetic damage.

In summary, if you don't have phone insurance with Verizon, you have several device protection options to choose from. Wireless Phone Protection and Home Device Protect are offered directly by Verizon and provide comprehensive coverage for loss, theft, and damage. Alternatively, you can explore credit card protection plans that offer cell phone coverage as a perk, providing an additional layer of protection without the need for separate insurance.

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