Phone insurance has become a practical safeguard in an era when smartphones, tablets, and other mobile devices are both expensive and essential.
At its core, phone insurance limits the financial impact of accidental damage, theft, loss, or hardware failure, events that standard homeowner or renters insurance often exclude.
The modern market includes manufacture-backed plans, carrier-bundled protection, and independent third-party insurers, each offering distinct advantages depending on the user's device ecosystem and risk tolerance.
Manufacturer programs integrate tightly with the device's hardware and service ecosystem, offering streamlined repairs and predictable fees, and include AppleCare+, which covers accidental damage, loss, and theft with same-day Apple Store service; Samsung Care+, offering accidental damage, loss, and theft coverage with uBreakiFix same-day repairs; and Google Pixel Care+, which includes loss, theft, accidental damage, and same-day service.
Carrier-bundled protection plans emphasize convenience, fast replacements, in-home service for select devices, and easy enrollment tied to the client's phone line. These include Verizon Mobile Protect, which covers loss, theft, and damage, offering same-day replacement; AT&T Protect Advantage, which includes loss, theft, damage, and same-day replacement; and T-Mobile Protection 360, covering loss, theft, and damage, offering next-day replacement.
Third-party and multi-device insurers often provide broader device coverage, lower costs, or more flexible terms than manufacturer or carrier plans. There are several options, including AKKO, which covers any device (new or used), including phones, tablets, laptops, and others, offering unlimited claims, same-day repairs, and low deductibles; SquareTrade (Allstate), which provides per-device protection with fast claims and mail-in repairs; Worth Ave. Group, covering theft and damage; 5Devices, which protects multiple devices at once, and covers cracked screens, liquid damage, and mechanical failure; Upsie, which offers affordable upfront pricing and coverage for nearly any electronic device with fast claims processing; and Mulberry, which provides accidental damage coverage and integrates with thousands of online retailers.
Phone insurance plans vary across several dimensions, such as coverage scope (some include loss and theft, while others cover only accidental damage), repair convenience (manufacturer and carrier plans often offer same-day service, while third-party plans may require mail-in repairs), deductibles (ranging from $0 for Apple of Samsung screen repair to over $200 for carrier replacements), device flexibility (third-party plans like AKKO and 5Devices cover multiple device types under one plan), and cost structure (manufacturer and carrier plans are typically monthly, while third-party plans may offer annual or one-time payments).
Phone insurance is a diverse marketplace today, where users can choose between tightly integrated manufacturer plans, convenience-driven carrier bundles, and flexible third-party insurers. Many of these are listed below.
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Owned by Lift Lines LLC, 5Devices is a multi-device protection plan for up to 5, 10, or 20 Internet-connected devices (smartphones, smart TVs, laptops, gaming consoles, smart home devices) under one subscription, covering accidental damage, cracked screens, spills, drops, mechanical failures, electrical component failures, and general malfunctions. Eligible devices must be 3 years old or less, and used devices must be registered within 30 days of plan enrollment.
https://5devices.com/
Offering plans for businesses, schools, and individuals, AKKO is a device protection and phone insurance provider that covers accidental damage, breakdowns, and theft for phones and a wide range of personal electronics. The company positions itself as a lower-deductible, more flexible alternative to carrier insurance or AppleCare, promising fast claims and broad item coverage. AKKO offers phone-only plans, everything-protected plans, home tech, and family plans.
https://www.getakko.com/
Sold by Apple and its authorized resellers, AppleCare+ is Apple's brand name for extended warranty and technical support plans. It allows the customer unlimited incidents of accidental damage, subject to a deductible that varies by device. AppleCare+ is available for Mac, iPad, iPhone, Apple Watch, Apple Vision Pro, Apple Display, Apple TV, HomePod, and headphones. Its plans include Apple software associated with the covered hardware. Multiple products can be covered with AppleCare One.
https://www.apple.com/applecare/
Asurion LLC is a privately-held company based in Nashville, Tennessee, that provides insurance for smartphones, tablets, consumer electronics, appliances, satellite receivers, and jewelry. Founded in 1994, the company has more than 700 locations. Its website promises speedy service, free diagnostics, and a one-year warranty with most repairs. Its locations are listed on the website, which highlights its phone and tech repair services, repair guides, and includes an online accessories store.
https://www.asurion.com/
Offering protection for one device or for up to four eligible devices, its plan options are defined, along with monthly charges, claim limits, coverage details, enrollment, deductibles, and service fees. Each Protect Advantage plan includes unlimited claims for damage, loss, and theft; unlimited battery replacements; same-day replacement and setup; quality repairs at more than 700 uBreakFix by Asurion stores; and $0 unlimited screen and back glass repairs.
https://www.att.com/offers/device-protection/
Pixel Care+ is Google's subscription-based protection plan for Pixel and select Fitbit devices, offering unlimited accidental damage claims, $0 screen and battery repairs, and premium support. Eligible devices include Pixel phones, Pixel watches, Pixel tablets, and select Fitbit devices, the details of which are available online, along with plans and pricing, enrollment details, and options, including monthly and 2-year coverage, service fees, and deductibles.
https://store.google.com/us/magazine/pixel_care
Mulberry offers third-party protection plans for phones and other electronics, providing coverage for accidental damage, theft, and extended product protection, intended to extend coverage beyond the manufacturer's warranty, protecting against accidental damage, drops, spills, and sometimes theft. Its coverage and benefits, costs, claims policies, customer services, and partnership opportunities are featured on its website, sorted into Business, Industries, and Shoppers categories.
https://www.getmulberry.com/
Samsung Care+ is Samsung's extended protection program for Galaxy devices and home appliances, offering coverage for accidental damage, mechanical breakdowns, and (optionally) theft and loss insurance. Its coverage includes unlimited repairs for drops, spills, cracked screens, and back glass, with mechanical breakdown covered after the manufacturer's warranty ends, and 24/7 expert support. Same-day or next-day replacement is available depending on the plan type.
https://scplus.samsungsupport.com/
Founded in 1999 and affiliated with Allstate, SquareTrade is an extended warranty service provider for cellphones and other consumer electronics and appliances, such as smartphones, iPads, laptops, televisions, and appliances, promising 24/7 customer service, hassle-free online claims, free shipping on repairs, no hidden fees, and a thirty-day trial period. The process for filing an online claim, or tracking an existing claim, is set forth, and new policies may be submitted online.
https://www.squaretrade.com/
T-Mobile's Protection 360 is a comprehensive device protection plan that covers loss, theft, accidental damage, and mechanical and electrical failure, even after the manufacturer's warranty expires. Clients can access live technical support seven days a week via call or chat for all connected devices, including help with setup, installation, and connectivity issues. Coverage details and eligible devices are highlighted on the company's website, along with contact data.
https://www.t-mobile.com/support/devices/protectionandlt360andgt-and-device-protection/
Upsie is a provider of affordable phone insurance and warranty protection plans, covering various devices. Selling coverage directly to consumers rather than through carriers or manufacturers, Upsie tends to offer lower prices than carrier insurance, with straightforward coverage and no deductibles on some plans, although it is still a warranty-style product. Its phone protection plans generally include coverage for accidental damage, mechanical failure, battery failure, and touchscreen issues.
https://upsie.com/
Verizon Mobile Protect is a comprehensive device protection plan covering loss, theft, damage, and post-warranty malfunctions, with unlimited claims and tech support. Offering coverage for smartphones and other eligible devices against loss, theft, accidental damage, and malfunctions after the manufacturer's warranty expires, it combines Wireless Phone Protection, Verizon Extended Warranty, and Mobile Secure. Coverage options, support data, and contacts are provided.
https://www.verizon.com/solutions-and-services/verizon-mobile-protect/
Founded in 1972 and based in Stillwater, Oklahoma, Worth Ave. Group is an American consumer electronics insurance provider best known for offering iPhone insurance policies. Its policies are underwritten by Hanover Insurance Group. Its insurance products include iPhones, cell phones, laptops, iPads, Chromebooks, tablets, iPods, e-readers, gaming systems, cameras, Apple Watches, and other smart watches. It also offers school and corporate policies. Comparison charts are included.
https://www.worthavegroup.com/
