Cell phones are one of those delicate devices that you could either have for a long time or end up replacing regularly. You can lose your phone, someone can steal it, or it could break. With so many things that could go wrong, you may be wondering if cell phone insurance is necessary?

 Well, the answer to that question is a bit complex. Unlike car insurance, cellular Insurance isn’t mandatory. However, it could definitely help you in the long run. 

Continue reading to learn more about whether cell phone insurance is a good idea.

How Does Cell Phone Insurance Work?

In most cases, phone insurance works just like other insurance plans. If you need a new phone, your insurance will chip in to help you pay for it. Depending on your phone carrier and the type of coverage that you get, you can expect to pay about $100 to $200 per year for cell phone coverage. 

Your provider will probably include stipulations as to the circumstances in which they would agree to replace your phone. Those situations include a stolen phone, lost phone, or cell phone damage. 

On the downside, you will have to pay a deductible that typically ranges from $50 to $300 before the insurance provider will cover a replacement. If you don’t have a fancy phone, that’s not a good deal. 

By the time you pay towards the deductible, you could either buy a brand-new phone or purchase a refurbished one

Alternatives to Cell Phone Insurance

If you decide against covering your phone with insurance, that’s understandable. However, there are a couple of things you can do as an alternative option:

Using a Cell Phone Case

You’d be surprised at how much using a cell phone case can help out. Invest in a quality case that will prevent your phone from becoming damaged. There are even screen protectors that you can buy to protect the screen from easily cracking.

The good thing is, there are lots of colorful phone cases to choose from, which makes using a phone case a lot of fun!

Take Your Phone to a Repair Shop

Sometimes the issue with your phone is an easy fix. Instead of paying for insurance that you may or may not need, leave the option open to take it to a repair shop. In the event that you ever have to fix your phone, take it to a professional.

Chances are, the cost of repair will be cheaper than the price for the insurance package and the deductible.

Should You Purchase Cell Phone Insurance?

As you can see, the decision to buy cell phone insurance it’s up to you. Whether it’s a good decision depends on the insurance package that you get. 

In most cases, it’s not worth the money. But of course, if you buy an expensive phone, then it may be a good option.

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