Does your shiny new smartphone have insurance? Did you even know that insurance was an option? I can't imagine walking around with one of these powerful expensive devices and not insuring it. You might not have even known this was possible, when you bought your phone the rep might have just forgot. If you don't have this important coverage I suggest you make a phone call to your provider and find out how to get it.
So...Is it worth it you ask? Ok, well how much did you pay for your smartphone? I would imagine you didn't pay all that much because you probably renewed your contract and got a pretty sweet discount. Well now you are stuck in that contract for 24 months or more so what happens if you need a new phone again because yours breaks? If you go into your carriers store what are they going to tell you, tough luck you are in contract.
Yes insurance is another cost on your bill, you are already paying for your minutes, texts, and that expensive smartphone plan, but isn't the peace of mind worth it? Insurance usually ranges from $5-$7 a month and then there is a deductible for getting your device replaced. When you think how much a brand new device is worth without renewing a contract, this deal is worth it to you. Most smartphone devices cost around $300-$600 retail and that's the price you'd be looking at paying for a replacement. Instead of paying that high price tag, you'll probably pay a deductible around $50 instead.
What do you get for your money? All insurance companies aren't created equal so you will want to check out the specific coverage that your carrier uses. For the most part, you will usually be covered on just about anything as long as it is considered accidental. Remember insurance is for accidents, you wouldn't expect your car insurance to replace your car because you felt like driving it into a wall, right? One of the best things that insurance usually covers is water/moisture damage. As you can see in the picture above, moisture is very detrimental to a smartphone, and for people like us who organize our lives on these things, a quick replacement is a necessity.
Take this information and go do your research! Treat your smartphone right and get it the protection it deserves.
Matt has years of experience with Cell Phones, PDAs, and Smartphones with these interests being both a hobby and a career.He has worked in the wireless industry and runs a site devoted to Blackberry App reviews, tutorials and opinions.
Check him out at: http://www.berryapplab.com
On Twitter http://www.twitter.com/berryapplab
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