Best Insurance for Iphone 4

Discussion in 'iPhone' started by ukraini9mofo, Oct 24, 2010.

  1. ukraini9mofo macrumors newbie

    Joined:
    Oct 6, 2010
    #1
    So I am looking into purchasing insurance, and would like theft coverage as well, I did some reearch and it seems like Worth Ave Group has the best coverage but I was wondering if people could post up their experiences with Worth ave group or any other companies (turn around time/costumer service...etc) that cover theft

    Thank you very much
     
  2. ukraini9mofo thread starter macrumors newbie

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    Oct 6, 2010
  3. calvy macrumors 65816

    Joined:
    Sep 17, 2007
    #3
    I've got mine covered through State Farm with a Personal Articles Policy. Not everyone has been successful at getting an agent to write them a policy though.
     
  4. scaredpoet macrumors 604

    scaredpoet

    Joined:
    Apr 6, 2007
    #4
    Check with your insurance company, the same one that gives you car or renter's/homeowner's policies. They usually can either write a personal effects policy for your iPhone, or it might already be covered by the insurance you have.

    (By the way, if you don't have homeowner's or renter's insurance, you should look into it. If your stuff ever gets stolen, it will save you a LOT of money and stress.)

    The insurance should be used for loss or theft. For damage though, your best bet is to just put $200 in a savings account, since that will cover the standard Apple repair cost for most non-warranty damage.
     
  5. mpossoff macrumors 68020

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    Mar 21, 2010
    Location:
    Philadelphia
  6. chutney macrumors newbie

    Joined:
    Nov 2, 2009
    #6
    Homeowner's, $30 a year, I can buy new phone and I'm covered up to $600.
     
  7. sviato macrumors 68020

    sviato

    Joined:
    Oct 27, 2010
    Location:
    HR 9038 A
    #7
    how does insurance for a phone work exactly?

    like if you lose it or damage it then they would pay for the repairs/replacements?

    what kind of premiums do you guys have to pay monthly for this?
     
  8. sawah macrumors 6502a

    sawah

    Joined:
    Sep 13, 2010
    #8
    Wirelessly posted (Mozilla/5.0 (iPhone; U; CPU iPhone OS 4_1 like Mac OS X; en-us) AppleWebKit/532.9 (KHTML, like Gecko) Version/4.0.5 Mobile/8B117 Safari/6531.22.7)

    I use gocare, 85$ for two years.
     
  9. ihav0frnds macrumors 6502

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    Jun 6, 2010
  10. crazytiger86 macrumors 6502

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    Aug 30, 2010
    #10
    The only thingy about State Farm or going through your insurance is that if you make a claim, your premiums are going to soar.
     
  11. coolbreeze macrumors 68000

    coolbreeze

    Joined:
    Jan 20, 2003
    Location:
    UT
    #11
    Define soar. If you claim that you need $80,000 worth of repairs on your home, then yes.

    A $500 phone replacement? I don't think your premium will skyrocket in that case.

    Me? I just spent $99 on Squaretrade and called it a day.
     
  12. ukraini9mofo thread starter macrumors newbie

    Joined:
    Oct 6, 2010
    #12
    SO has any1 every dealt with Worht Ave group...calim wise?
     
  13. shakeman0 macrumors 6502a

    shakeman0

    Joined:
    Jul 20, 2009
    #13
    I use Squaretrade also. Fast, easy, and very well reviewed.
     
  14. calvy macrumors 65816

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    Sep 17, 2007
    #14
    Well reviewed because 90% of customers are idiots.

    My opinion, ST is not worth it. It doesn't cover loss or theft, and if you break it you have to send it back to them and pay your $50. That, plus the initial cost of the warranty, and you could have just gone to apple and paid 199 for an out of warranty replacement and had your new phone that day.
     
  15. coolbreeze macrumors 68000

    coolbreeze

    Joined:
    Jan 20, 2003
    Location:
    UT
    #15
    ...so isn't $149 cheaper than $199? BTW, this is how squaretrade works. You bring your broken iPhone into the apple store. They fix it. You pay. You leave the store with a fixed phone.

    You then submit the receipt to squaretrade and they reimburse you.

    NO different than overpaying $50 ($199) for Apple to fix it.

    So, I think squaretrade is still a better deal. If nothing else to save $50 in the end.
     
  16. crazytiger86 macrumors 6502

    Joined:
    Aug 30, 2010
    #16
    This makes sense if it is squaretrade because they drop you right after you make your first claim. It doesnt matter if you paid for a year, once youve made a claim, your policy is considered "fulfilled" at that point and your coverage ends.
     
  17. TB07-NJ macrumors 68020

    Joined:
    Jul 7, 2008
    Location:
    US of A
    #17
    You're not saving $50, you're LOSING $50 because you have to pay again to insure the next phone you get. All the insurances are a rip-off. Pay Apple the $199.
     

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