• Your favorite

    Apple

    ,

    iPhone

    ,

    iPad

    ,

    iOS

    ,
    Jailbreak
    , and
    Cydia
    site.
  • Insurance for your iPhone


    An iPhone can be an expensive investment, and given that its users generally carry their phones everywhere, damage from dropping, stepping on, running over and flushing iPhones are more common than warranty-related problems. And no warranty can protect you from theft. As a result many users have looked for third party insurance to try and protect themselves from loss.

    Worth Avenue Group garnered a lot of attention at this year's MacWorld with their booth featuring a man methodically smashing iPhones with a hammer. According to Chris Holt at Macworld.com, they claim to cover the iPhone comprehensively, whether it has been dropped, stolen, or submerged in water or beer. According to their website, 80% of iPhone failures are due to an accident of some kind, and accidents are not covered by AppleCare. The annual premiums range from $55 US for an 8GB iPhone 3G or earlier to $79 for a top of the line 32GB 3GS. In addition to iPhones and other cell phones, Worth Avenue also covers laptops, cameras, game systems, and cell phones.

    Square Trade also does extended warranties for iPhones and other products: they covered the MacBook I got off eBay. A SquareTrade offers an iPhone warranty to be purchased with your new iPhone, though it covers your iPhone for 2 years, as opposed to 1 year for AppleCare. The website shows annual premiums of $96 for an 8GB iPhone, $120 for a 16GB, and $144 for a 32GB. SquareTrade's warrranty does have a $50 deductible, though, unless the problem is covered by the Apple iPhone warranty (for things like a mechanical or electrical failure). SquareTrade, like Worth Avenue's insurance, says it also protects against drops, spills, and other accidents.however, says that the warranty "does not include loss, willful damage or damage occurring through gross misuse of the item. The damage must have occurred unintentionally while the item was being used as intended." That seems to exclude the I-hit-it-with-a-hammer claim. However, SquareTrade does say that if the iPhone battery life drops below 50% of the original, it's eligible for a replacement.

    What's not clear is whether any insurer has coverage for iPhone envy. Carmi Korine, a director at Supercover Insurance in the UK, says that insurance claims for lost, stolen or damaged iPhones soar whenever Apple releases a new model. "While most customers take out insurance because they value their iPhone, we started to notice increases in claims as new and upgraded iPhones were launched - for short periods around new model or upgrade launches, claims for lost, stolen or damaged iPhones go through the roof," Korine says. The kinds of supposedly 'accidental' iPhone damage the insurance company had been called upon to cover included hammer marks, heel imprints, toilet bleach and "fire damage which the claimant found very difficult to explain."

    image via Flickr/magerleagues (Creative Commons license)
    This article was originally published in forum thread: Insurance for your iPhone started by Paul Daniel Ash View original post
    Comments 31 Comments
    1. Melech518's Avatar
      Melech518 -
      There are numerous companies that offer to insure the iPhone, this isnt anything new. Our company also offers insurance that covers everything....
    1. hoits2000's Avatar
      hoits2000 -
      I pay 35 a year with state farm with no deductible and it even covers my leather case.
    1. clikzip's Avatar
      clikzip -
      Quote Originally Posted by lolcats1 View Post
      as for taking a hammer to it, and having it fall in the toilet, who shits with their iphone in their backpocket?
      Kinda funny my friend had his in one of those hip cases, went to pull his pants up and hit the case and it fell in the toilet. Dried it out and it still works fine.

      Quote Originally Posted by boxxa View Post
      Does mobileme work with an iTunes account or does it map to a specific phone? I have always wondered if someone intelligent stole a phone and turned it off until they reflashed it, would they still be able ot map its movement on the MobileMe page or is it gone?
      If they pull the sim out or turn off the phone It does nothing. Mobileme is also $99 a year, there is a jailbreak app called cylay that allows you to track your iphone remotely, wipe it remotely, lock it remotely, and sends you a text to another phone alerting you if they swap the sim. Has a free trial, and $19.99 a year after that. Your screwed if they restore it tho.
    1. KartRacer's Avatar
      KartRacer -
      Quote Originally Posted by sziklassy View Post

      If you break your phone and take it into Apple, they will replace it for you for contract price as well(no resigning the contract, just pay what you did for the phone when you signed the contract).
      I broke my screen accidentally and Apple won't replace it for the contract price, and a friend of mine has all kinds of problems with hers because of wear and tear on it and they won't replace it either. Both require a new contract to be signed or pay full price. Where did you get that info?
    1. Melech518's Avatar
      Melech518 -
      Quote Originally Posted by KartRacer View Post
      I broke my screen accidentally and Apple won't replace it for the contract price, and a friend of mine has all kinds of problems with hers because of wear and tear on it and they won't replace it either. Both require a new contract to be signed or pay full price. Where did you get that info?
      It is called an Out-Of-Warranty Replacement or OOW Replacement. Price is $199

    1. KartRacer's Avatar
      KartRacer -
      Quote Originally Posted by Melech518 View Post
      It is called an Out-Of-Warranty Replacement or OOW Replacement. Price is $199

      Hmmmm. Thanks for the info but they didn't offer either of us that option. Must have been asking the wrong questions. Though my friends 3G is coming apart at the seams so maybe that's why they didn't offer her that, and my screen is shattered and they offered to fix it for $200. Next time I'm at an Apple store I'll ask for this specifically and see what they say. Gotta his that it's jailbroken though!
    1. truncj's Avatar
      truncj -
      Quote Originally Posted by hoits2000 View Post
      I pay 35 a year with state farm with no deductible and it even covers my leather case.

      Same here. I pay $50 a year with state farm. No deductible. Covers accidental, theft, and anything imaginable.
    1. rhekt's Avatar
      rhekt -
      incase power slider
    1. burbskate's Avatar
      burbskate -
      Quote Originally Posted by hoits2000 View Post
      I pay 35 a year with state farm with no deductible and it even covers my leather case.
      My wife and I have our iphones and laptop thru state farm also. Covers EVERYTHING. We asked because we have a 3 year old and a 1-1/2 year old at home. It's a separate policy and does not influence our existing home-owners if we use it.
    1. tudtran's Avatar
      tudtran -
      That's not bad, cause Apple care is around 70 for two years. These insurance would give me more options. I will keep this in mind for my next iPhone.
    1. pirarre's Avatar
      pirarre -
      I just bought this insurance for my iphone 16 gb 3gs. They were really helpful and answered all of my questions. They even cover your iphone if you buy it off of ebay, craigslist etc. I signed up for that WorthTrak also where they can track your iphone. When I spoke to them they told me they do cover everything and the claims process is really easy.