I’m hard on cell phones — are you? My everyday, go-to phone is the iPhone, but being a tech reviewer there are Android devices laying around and being shipped in for review all the time. I’m hard on them too. I have to be. Life isn’t a pillowy soft experience; if you drop your phone it doesn’t land on a bed of marshmallows, it smashes into the concrete or asphalt. So if you’re looking for the best smartphone insurance (and most affordable as well), I just might have you covered. Keep reading.
Yes, I use phone cases — I review some of the best iPhone cases every single month. Cheap cases, luxury cases, thin cases and cases that could survive getting run over by a tank. But I hate huge iPhone cases with a passion. They’re so ugly and they don’t fit as well in my pocket. I like cases that look like they’re barely there; minimal cases. The only problem with them is that they tend to leave parts of my phone exposed. So if I drop it, it will mostly be protected, but perhaps not all the way.
I just sent my iPhone 6 Plus back to T-Mobile in order to get my new iPhone 6s (bad experience by the way; T-Mobile offers a pretty miserable trade-in experience). When I sent it back it had some scratches, dings, dents and might have been every so slightly bent. That’s what happened to it within 1 year of normal use. With cases. And one day it slipped out of my pocket and the screen got cracked. I took it to the Apple Store and had it replaced (which wasn’t cheap).
So the idea of smartphone insurance sounds pretty good to me. Insurance, it sometimes seems, is a scam: until you need it. Carriers like ATT, Sprint, Verizon and T-Mobile do offer insurance, but it’s either expensive or, frankly, I don’t like dealing with them. Carriers always have their best interest at heart, not yours. That’s why I’d just assume work with a third party like Protect Your Bubble (which is part of Assurant).
I just heard about them Today actually when an associate emailed me about them. Get this: for $5.99/mo ALL of your devices are covered. Not one, but ALL! You won’t get that from your carrier. Claims are resolved in 1 day and liquid damage, cracked screens, accidental damage and mechanical breakdowns are all covered. AppleCare itself and SquareTrade are both more expensive each month.
Like I said, you don’t need it until you do. I know there are several times when I could have used this.