My iPhone has passed any warranty or Apple Care period but I have home insurance and I would need to use it to replace the sensor with dust. How about you?
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iPhone 15 Pro Max Do you use “Home Insurance” instead of Apple Care?
- Thread starter drugdoubles
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I don’t believe home insurance covers you for the example you’ve given. Some policies will cover you for accidental damage, such as a smashed screen, or theft, if you were the victim of a housebreaking.
If aspects of your phone stopped working post-warranty, you’re likely onto plumbs. That’s why there’s a market for AC+.
If aspects of your phone stopped working post-warranty, you’re likely onto plumbs. That’s why there’s a market for AC+.
‘Let us know how it turns out. I can not even imagine your homeowners insurance paying for such a thing.
Homeowners will generally only cover loss due to the theft or fire. Just being worn out is not covered. Factor in that the value of the phone is much less than the deductible, in the unlikely event that insurance covered the claim, the insurance would pay nothing. Now you have a claim against your policy. The insurance underwriters will most likely increase your rates. The claim is put in a national database so any other insurance company would see the claim and if you changed companies your rates would be higher.
Even if a phone is lost, or it was stolen, the cost of the phone weighed against increased rates, application of the deductible, making a claim against homeowners is a really bad idea. Just don't do it.
Even if a phone is lost, or it was stolen, the cost of the phone weighed against increased rates, application of the deductible, making a claim against homeowners is a really bad idea. Just don't do it.
Well, some home insurances over here, for example:
Home Insurance | MSIG Hongkong
www.msig.com.hk
More Intimate Protection to your mobile devices
Cover accidental damage to mobile phone / tablet or laptop computer for up to HK$2,000 (Cover one device only; applicable to Gold Plan and Platinum Plan only)
Insurance companies will often offer a personal property plan, but it doesn't go under a homeowners policy unless it's from fire, theft, etc. My ex had a personal property policy on her flute; she was a professional musician/professor and it cost over more than my car, so it was worth it, and it didn't cost much additional on top of our home insurance (>$100/year). You can buy it for a phone, too, but it would be more a hassle than Apple, but maybe a bit cheaper.
Unless your livelihood depends on it, or it's a very expensive piece of property, there is no reason to use such insurance.
Unless your livelihood depends on it, or it's a very expensive piece of property, there is no reason to use such insurance.
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If the current insurance plan increases price next year, then just buy plan from another insurance company.
Over here yes, just buy home insurance from another insurance company, there are at least 10 insurance companies provide home insurance services here.
Where? That’s not how insurance works. If you make a claim on your policy, all other insurers become aware when you apply for another policy with a different provider.
I have already posted link above with real insurance plan. It is not like credit card that card issuer shares a date base knowing your credit history, what you claim from one home insurance provider is not shared with another insurance company, at least that is how it works over here.
That would only apply if they all offered the exact same premium, and adjusted for a claim the same way; they don't. You can find insurance plans that swing several hundred to thousands one way or the other.
I claimed a roof, chimney and electrical service after a big storm last year and my rate didn't go up a penny. Actually, my rate dropped because I have a "new roof" discount.
In the United States a company called Lexisnexis aggregates all claims by an individual, family members in the same household, all claims on the property regardless of ownership, licensed drivers, auto accidents regardless of fault, driving record, credit history, etc. That information is used by all insurance companies to set rates. All claims are reported to Lexisnexis. So, yes, the information is shared among all insurance companies.
No insurance companies covers wear and tear.
I normally only get AppleCare + when it is cheap in comparison to the price of anew product, for iPhones that is not the case. Instead I rely on my home insurance that has a low deductible and have a decent coverage. That only covers accidental damage or theft though, but the EU is mandating that companies have to prove the fault wasn’t original within the first 2 years so in reality that is basically a 2 year warranty.
Seem like UK has home insurance covers iPhone as well, may be this applies to a lot of European countries too?