All it took was once! That is all it took for me to go shopping for iphone insurance after I recently dropped my iphone while getting out of my car. My screen was shattered! I’ve heard people say that their phone were still operational at this point but I was not blessed with this luck.
I have always considered myself a careful person but I am clumsy and these types of accidents seem to be typical for me. My initial assumption was that the apple store could just replace my screen for a nominal charge. NOT! I had to replace the ENTIRE phone for $500….but I guess they ARE in the business of selling phones! What a racket!
So for all you folks out there like me who do drop your iphone every now and then, there is insurance out in cyberspace to cover your negligence. I just hope you’re pro-active and shop for it before an accident happens to you. I found an excellent policy from Worth Avenue Group that gives me a sense of security at a very affordable price.
Wowza! Beware! After you spend $199 initially on that sweet little apple iPhone, you better protect it with your life unless you own iPhone insurance. The iPhone one time purchase price was offered as an incentive or inducement to you to sign a contract with AT&T. If your iPhone is damaged or stolen during that contract period, you better get ready to belly up and buy a replacement at full retail for $400 to $600, depending on the model you own.
Applecare is Apple’s extended warranty and support program which covers products outside their limited manufacturer’s warranty. In the case of the iPhone, AppleCare will provide an additional year of coverage for defects and repair, including the battery. Applecare does not provide coverage for losses due to theft, fire, flood, natural disasters, and vandalism or accidental damage (drops and spills.) In other words, Applecare does not cover iPhone user negligence….only product failures. So, in essence….it is a warranty. 80% of iPhone product failures are due to user negligence (drops and spills.)
Several companies have risen to the occasion to fill the gap created by the lack of iPhone insurance. Worth Avenue Group and its affiliates have been in business for 40+ years and offers the broadest coverage at a very value engineered price. The Worth Avenue Group iPhone policy provides worldwide coverage with a very low deductible of $50 per incident. Their claims are paid by in-house adjusters so that the claims process is very expeditious. The policy covers losses due to theft, fire, flood, natural disasters, vandalism and accidental damage. The policy premium ranges between $55 and $79 per year depending on the model of iPhone that you own. The Worth Avenue Group policy is underwritten by Hanover Insurance Group, which has a superior A rating by AM Best Rating system.