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Insurance Question

G

glide

macrumors regular
Original poster
Jun 15, 2007
155
1
For those planning on adding the iPhone to your homeowners insurance...what type of deductible do you have?

I would imagine most are in the $500-1000 range, so does it really make sense to insure a $500-600 device this way?

I would think most would be looking for a $100 replacement cost at most. Given that; this does not seem like a viable way to insure the iPhone. Thoughts?
 
It wouldn't be worth it to claim against homeowners. You will end up paying for it 5 times over with your increased premiums. Obviously, if you had a 0 deducible.
 
It doesn't sound worthwhile unless you have a very low deductible (which, of course, raises the price) or you have accessories, more costly than earphones and a case, that would add greatly to the value of what you carry around.
 
I'm looking at getting State Farm for renter's insurance, and they have a thing where you can get a rider where you can protect mobile electronics such as cell phones, laptops, cameras, etc. I plan on getting that for my laptop, Nikon D80, and put the iPhone on there. No deductable and covers accidents, theft, etc etc etc.

This was covered either on here or in a thread at everythingiPhone.com
 
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