Although neither Apple nor AT&T offer iPhone insurance, it is offered through SquareTrade for a reasonable price (about $5/mo). With SquareTrade, you'll be covered against manufacturer defects, drops, slips, spills, cracked screen, etc. for three years. Check out www.squaretrade.com/iphone for more details. And for non-iPhones, visit www.squaretrade.com/cellphone.

Jill

There is a company that offers insurance for the iPhone that covers against loss, theft, breakage and water damage and is cheaper than the Square Trade policy.

http://www.InsureYourPhone.com

Included with their policies is a Lost and Found program that provides you with a label for your phone so whomever finds it can return it at not charge to them, and they receive a reward as well.

Verizon's cell phone insurance is worthless. Look at the fine print. It excludes almost anything that you would actually need insurance coverage for. It's probably the same for the other carriers.

If you accidently break your phone.. not covered. If you lose your phone.. not covered. It's covered if the phone is stolen ONLY if you filed a police report.

I dropped my phone in the water.. not covered. There is a moisture sensor inside the phone. If it's been exposed to moisture at all.. not covered. I told them I dropped it in the water. They sent me a new phone and told me to ship the water damaged phone back to them. A week later it came back to me with a note.. sorry, not covered because this phone was exposed to water. !! They kept my battery and charged me for the new phone.

Save your money. The insurance is just there to make more money for them.

I'm glad you had a good experience with phone insurance but in your case it was a theft, which IS covered.

A quick check on Google for Asurion comes up with many thousands of complaints from people. Complaints are usually about coverage denied, getting used messed up phones back as replacement.. some of them knock-offs, some scratched up, some without the water sensor (voids the insurance), etc. They can even switch the phone's color on you! The color and appearance are NOT guaranteed. All that is allowed under the insurance agreement.

One thing that seems to shock a lot of people.. if your phone just stops working.. no coverage! Electrical breakdown is not covered! I've read where people deliberately damage their phones in order to get coverage for a dead phone.

Asurion also doesn't cover a phone loss if someone asks you to borrow your phone and then they never give it back.. it's called "voluntary parting". Even if they tricked you or used fraud to take your phone away from you it's still not covered.

Asurion also will not cover your phone if you are eligible for an upgrade phone. That means that if you want your phone replaced you will need to sign up for a new contract with your carrier and get an upgrade phone. Make you wonder why they were taking the insurance premiums after the upgrade date?

Some people seem to have a good experience with cell phone insurance. I'm not one of them and many thousands of others have found out the hard way too that the insurance they have been paying for is next to worthless. I think if people would do their homework and read all these complaints online, nobody would be buying the insurance. We all just assume that we are covered if ANYTHING happens to the phone because that's what the sales rep tells us. That's just not the case.