How do you insure your iPhone??

Discussion in 'iPhone' started by Porksword, Sep 9, 2007.

  1. Porksword macrumors member

    Joined:
    Mar 30, 2006
    Location:
    Grand Rapids, MI
    #1
    I know I can add my iphone to my homeowners insurance but I'm not sure if that means I'll have a $500-$1000 deductible to pay. I'm wondering how to best handle the "I've lost or broken my phone" debacle.
     
  2. Angelo921 macrumors 6502

    Joined:
    Jul 30, 2007
    #3

    I insured mine with state farm but not on my homeowners policy. I already had a policy for wifes engagement ring so they just added it on there for an additonal $33 for a year and I have no deductible. It covers anything and they will reimburse me the amount that I paid including taxes.
     
  3. Canuck4 macrumors 6502a

    Canuck4

    Joined:
    Jul 31, 2007
    #4
    I tried my local Allstate. They told me they dont do it :(
    And under my homeowners I got a $500 deductible.
     
  4. eye.surgeon macrumors 6502

    Joined:
    Jul 12, 2007
    Location:
    California
    #5
    Why on earth would you insure a (now) $400 phone? Insurance is to protect you from catastrophic loss like your home or expensive automobile. Insuring a cell phone is ridiculous.
     
  5. Canuck4 macrumors 6502a

    Canuck4

    Joined:
    Jul 31, 2007
    #6
    Bro losing my Iphone would be a catastrophic event to me:D
     
  6. TXCraig macrumors 6502a

    TXCraig

    Joined:
    Jul 2, 2007
    Location:
    Houston, TX
    #7
    Agreed... you would be crazy for filing a claim on your homeowner's insurance for a 400.00 cell phone. The next time your policy renews and they up your policy 500.00 a year.....
     
  7. Canuck4 macrumors 6502a

    Canuck4

    Joined:
    Jul 31, 2007
    #8
    I dont think its worth it if it goes thru your homeowners.
    Cause for one they could raise your premium, 2nd mostly everyone got a $500 deductible so that wouldnt work. And even if you lower it or do a no deductible policy you'll be paying much more money every year.
    It would be cool to get a seperate policy just for the iphone that would cover it for lets say $30-50 a year and thats not connected to your car or home policy.
    Or finally get AT&T to offer insurance on this phone like they do with many other cellphones.
     

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