Best Mobile Insurance Company in USA – Phone Insurance Guide

If you are holding expensive android or other smartphone, it is best to have your mobile insured with below listed best mobile insurance companies in USA. When you start using expensive phones and getting your device theft, damaged or any other problem can be more than a worst nightmare. So the best idea is to buy mobile insurance plan. and have peace of mind.


In general most of the insurance plans cover the lost, stolen and broken case. But there are some policies which also cover accidental damages, phones accessories, unauthorized calls, apps, games and other valuable contents. But the coverage offered by the insurance companies varies for every company. Some of the best mobile insurances of US are explained here.

Best Mobile Insurance Company in USA

1. Asurion

This is one of the best mobile insurers which works with four major carriers in US. Asurion does not deal directly with the customers. But their premium and deductible, and every other thing vary depending on the carriers you have chosen.

They cover loss, theft, accidental damage and malfunction. If your phone is stolen or lost you need to claim and once your claim is approved Asurion will either repair or replace your phone.  In order to take advantage of Asurion insurer you need to be a subscriber of a carrier with whom they are associated.

2. AT&T

AT&T covers accidental damage, lost, stolen and the post warranty mechanical breakdown. You need to pay a monthly premium of 6.99$ for this insurance but the deductible varies with the tier options. The deductible is $50, $125 and $199 respectively for Tier 1, tier 2 and tier 3 devices. Customers are allowed to make not more than two claims in consecutive 12 months and the maximum devices value can be up to 1500$. You need to claim first and upon approved claiming you will receive a replacement that might be new or remanufactured.

3. Verizon

Verizon provides mobile insurance at a rate of $10 monthly. You can make two claims in 12 months with the maximum device’s price of $1500. Verizon covers lost, theft, malfunction and damage. The deductible rate varies with the tier and this is $149, $169 and $199 for tier 1, tier 2 and tier 3 devices.

4. Worth

This insurer is quiet cheap when compared to others. They charge $59 per year and the deductible is $50. But there is no replacement or repaired offered rather they pays out the amount insured. Asurion is best of all when you go by the reputation, services and quick process. Worth is also best if you consider the price.

Things To Know Before Buying Phone Insurance

There are certain things that you should know before insuring your phone. You will not be able to enjoy the coverage under the following situations.

  1. Damage due to carelessness
  2. Theft without force and while unattended
  3. Delays in reporting for lost or stolen phone
  4. Water damage
  5. If there is not the original SIM card when you have lost the phone
  6. You should be 18 plus

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