Will you be getting Asurion Insurance w/ your Incredible?

necosino · May 2, 2010

I just get the extended warranty for $1.99. Verizon has always been good to me about replacing a damaged phone, even if it's not technically under warranty (cracked screen, for example). And I doubt I will ever (EVER) lose a phone, especially one like the incredible..

Speedy328 · May 2, 2010

Have insured a number of phones with Square Trade. Fortunately, never had to submit a claim. If you change your phone during the coverage period, and cancel the policy, they refund a substantial portion of the premium paid. Not a bad deal at all.

QrafTee · May 2, 2010

mzlou2 said:
After handling my Incredible for a few days, I think I might take the plunge and buy insurance. Just wanted to see what you guys thought about ...

1. Whether it's worth it? I'm generally careful, but accidents do happen.
2. Whether I should go with Asurian ($6/month), Verizon's full coverage plan ($8/month) or a plan through SquareTrade ($144 for 2 years w/only $50 deductible)?

Thanks!

It comes down to how you use it: For instance, if you've never dropped or mishandled your phone, you just need the Extended Warranty. If you've never lost or had your phone stolen, then get SquareTrade. Otherwise get Asurion.

tarponbeach · May 2, 2010

Speedy328 said:
Have insured a number of phones with Square Trade. Fortunately, never had to submit a claim. If you change your phone during the coverage period, and cancel the policy, they refund a substantial portion of the premium paid. Not a bad deal at all.

I use Square Trade. I had a policy on my iPhone 3Gs, and received a check for replacement cost (minus deductible ), after it had a Root Beer spilled on it. Sent them the iPhone, and received the check in a week.

No complaints with Square Trade.

eth555 · May 2, 2010

I went with SquareTrade (with the thirty30 code), definitely the best deal. Especially since Assurion raised their rates and deductible. I believe Assurions deductible is $82 or $83, which ends up being a quite a bit, on top of the $7.99 premium paid!

eth555 · May 2, 2010

Plus with Squaretrade you get a NEW phone of your choice not a refurb!

b8b · May 2, 2010

necosino said:
I just get the extended warranty for $1.99.

is that $1.99 per month? Can you add that within the first 30 days?

Does the Verizon $8/mo. have a deductible?

JoePT · May 2, 2010

jwm2 said:
I went with verizons full coverage plan. They said the asurian insurance is only available for the first 12 months of the device. The full coverage is available for 24 months. Its only $2 more so i figured why not. Its the first device i've spent the money on to protect, but as much as i carry it around with me i figured i might as well insure it to be 100% sure i won't be without one for an extended period of time.

I just filed a claim through Asurion a month or two ago for my LG Dare. I had the phone for over a year and I only had the $4 or $5 insurance. They sent me a refurb, however...which kinda sucks.

mzlou2 · May 2, 2010

Thanks so much everyone! I think ill go squaretrade. I like that I can pay up front, and with the discount, its the cheapest. Thanks again !!

mallinj · May 2, 2010

Verizon has a new option of getting a FRU (Field Replacement Unit) for $90. It's a like-new-refurb. You can do this once every 12 months without extending your contract. HTH.

FierceDeityLink1 · May 2, 2010

b8b said:
is that $1.99 per month? Can you add that within the first 30 days?

Does the Verizon $8/mo. have a deductible?

Advanced Devices

$7.99 per month per covered device.
$89 non-refundable deductible per approved claim.

Someone on a Blackberry forum said anything with a touchscreen is considered "advanced" but I'm not completely sure about that.

I believe the $1.99 just extends the manufacturer's warranty. The $7.99 includes accidental damage and theft.

Max Johnson · May 2, 2010

FierceDeityLink1 said:
Advanced Devices

$7.99 per month per covered device.

$89 non-refundable deductible per approved claim.

Someone on a Blackberry forum said anything with a touchscreen is considered "advanced" but I'm not completely sure about that.

I believe the $1.99 just extends the manufacturer's warranty. The $7.99 includes accidental damage and theft.

I purchased at Best Buy and they offered this or for a dollar more, you get Best Buy's insurance. No refurbs and no deductable. They cover water damage but not loss whereas Verizon's was the opposite. Anybody go with the Best Buy insurance?

odiej34 · May 2, 2010

Max Johnson said:
They cover water damage but not loss whereas Verizon's was the opposite. Anybody go with the Best Buy insurance?

Verizon (asurian) covers loss and water damagae. (89.00 deductible)

Member112867 · May 2, 2010

I opted for total protection when I pre-ordered it online. I got the phone Thursday. I watched through the rearview as it tumbled off the roof of my car as I drove off this morning, so you bet I'll say it was worth it. My deductible was $39.

Hipshot · May 2, 2010

shawn487 said:
Best Buy will swap out your phone for a loaner while it is sent in to be fixed/replaced. I also believe they need a credit card/bank card to put the loaner on then it would be refunded when the loaner is returned. I say go with the insurance from verizon or the other one everyone has been talking about

I'm going thru the best buy NIGHTMARE myself right now! Cracked a screen on my eris. Owned it 8 days... It's been 3 weeks now and its STILL in repair! :mad:

Went there yesterday to try to resolve this. They in no uncertain terms will replace the phone no matter HOW long it takes! :eek:

BEST BUY SUCKS!!!!

I bought my Incredible thru Verizon. On Azurion now. I am SO over Best Buy! I will NEVER buy another thing from them!

This_Is_Kyle · May 2, 2010

I went with the Asurion insurance. I've used them multiple times before and have had good results.

k.electron · May 3, 2010

2k2s2k said:
I bought my phone at Best Buy and noticed on my online credit card statement next to the purchase it says if you pay your monthly bill online with a Citi credit card, you get free insurance on your phone.

i got my phone from amazon, but i would love to get in on this deal, i did not buy it using citicard sadly, how do i check if i qualify for this.

Novaglarion · May 3, 2010

I have another option for you, and one that a lot of people seem to be unaware of.

You can get a personal articles insurance policy from most of the major insuance companies that are cheaper than verizon or squaretrade.

I got a personal articles insurance policy on my Incredible for $35 a year from State Farm. That covers everything, theft, accidental, whatever with no deductible or charge when you file a claim. Here's some more info on the subject from State Farms website:
Personal Articles

Just thought I'd share...

paimon.soror · May 3, 2010

Novaglarion said:
I have another option for you, and one that a lot of people seem to be unaware of.

You can get a personal articles insurance policy from most of the major insuance companies that are cheaper than verizon or squaretrade.

I got a personal articles insurance policy on my Incredible for $35 a year from State Farm. That covers everything, theft, accidental, whatever with no deductible or charge when you file a claim. Here's some more info on the subject from State Farms website:
Personal Articles

Just thought I'd share...

Some good info here. I currently use Statefarm for my renters insurance. I will give them a call after work to see if I can add the personals insurance to my plan as well. Thanks

dm33 · May 3, 2010

mallinj said:
Verizon has a new option of getting a FRU (Field Replacement Unit) for $90. It's a like-new-refurb. You can do this once every 12 months without extending your contract. HTH.

Is that with or without insurance? If you don't need insurance for that, it seems like the best deal. If you have a $50 deductible, pay $8/mo, you hit $90 in a little over 4 months. If you're phone lasts longer than that, you're ahead.

b8b · May 4, 2010

mallinj said:
Verizon has a new option of getting a FRU (Field Replacement Unit) for $90. It's a like-new-refurb. You can do this once every 12 months without extending your contract. HTH.

I believe that is not entirely correct. FRU is usually the two-year price without rebate, certainly $90. For example, the FRU price for the Droid is $289.

You can get just the insurance through Verizon (Asurian, Verizon does not offer anything but extended warranty) for $6.00 (w/ 1 yr. warranty) without the $1.99 extended warranty (2 yr. warranty).

Also, if you purchase on an Amex Platinum or Centurion card, you get a 90 day lost/damage replacement insurance free.

absolution · May 4, 2010

ccoager said:
I got more information from State Farm today. At one time they did insure cell phones but no longer insure cellphones or ipods in the state of NY. Apparently too many people were abusing it. For those that did get insurance through State Farm in other states, consider yourself lucky. I can't imagine it'll be around forever with all the insurance fraud out there.

My SF agent in Oregon told me the same thing. He said they stopped providing coverage on cell phones like...last month. Bummer.

zerofire · May 4, 2010

I have Asurion insurance on my Incredible and if past experiences have taught me anything, insurance on my cell phones are a must.
I forgot my phone on my desk and went out to dinner with my girlfriend. While we were at dinner my girlfriend gets a call, and its from my cell phone. She thought I had pocket dialed her but I told her I forgot it at home, so we both sat there trying to figure out how it made a call. Turns out my dog got to the phone and called my girlfriend on accident while he was chewing on it. When we figured it out we both started laughing and went home to find the dog curled up with it on the floor. Insurance to the rescue, and a day or two later i had a new phone at my doorstep.

rukkus · May 4, 2010

is there somewhere on verizon's site that you can add insurance to your plan without speaking to someone? can't really talk on the phone right now at work.

grindle · May 4, 2010

Hi everyone,

Excuse the ignorance, just trying to get a general idea of the differences between the insurance and the extended warranty. I am currently paying the $3.00/mth or whatever it is for the extended warranty.

Extended Warranty -- Damn, my phone doesn't work and I'm not sure why.

vs.

Insurance -- Damn, I seemed to have dropped my poor phone off this really big skyscraper, may I have another one?

That basically the general gist?

Will you be getting Asurion Insurance w/ your Incredible?

Insurance for you Incredible?

Yes, with Verizon/Asurion.

Yes, with SquareTrade

Yes, with other 3rd-party insurance

No insurance at all.

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