Advice about insurance

[snoop5]

carguy,

I have a $600 device. It's not that I can't afford another one, but what about two or three more? No, I can't afford $1200 worth of phones.

I totally agree. Its not the fact that i cant afford it, to me its better to pay 191.76 over two years and 89 if i need to replace it, instead of 600 at one time but maybe its me. dancedroid

 

[brianarmstrong1]

I dropped my Droid 1 in the toilet... AFTER doing my business... number 2... I didn't have insurance. I now have a Droid X, and I also have insurance. I poop-n-text too often to not (apparently!).

 

[dankarlinski]

I dropped my Droid 1 in the toilet... AFTER doing my business... number 2... I didn't have insurance. I now have a Droid X, and I also have insurance. I poop-n-text too often to not (apparently!).

I'm not quite sure how to respond to that...

Lol

From my Liberated Droid 2 (Liberty v 1.0)

 

[droided1]

Ever heard of an accident?
Obviously carguy hasn't... must not have kids or anything else that could not possibly be controlled.

Me, I live in that real world where you can't control everything, ie. My 5 year old wanting to watch a video on daddys phone then oops, she dropped it. Oh... its an accident. Pay the cheap cost for the insurance, better than coming out of pocket 600... can think of other things to do with that rather than another phone.


Sent from my DROIDX using DroidForums App

 

[ajGoes]

Unless the replacement cost of over $500 is a trivial expense for you, I advise you to buy insurance. I suggest you add the phone as a listed rider to your homeowner's or renter's insurance, though. Verizon and other companies make huge profits selling insurance at absurdly high rates. If I remember right, my various phone insurance riders have cost about a quarter as much as Verizon charges, for the same coverage. Call your insurance agent for the details.

If you choose to do this, be sure that you also cancel the insurance when the phone's replacement cost drops significantly in a year or so.

So I'm about to purchase a Droid X - my very first smartphone. I know this Droid has gorilla glass and is a sturdy phone, but I'd like your expert option guys: do you think I should purchase insurance from Verizon for my phone? I was wondering if most of you have done so, or if you feel it is unnecessary.

It doesn't matter whose opinion you get. Whether or not you get insurance is your call to make. Gorilla Glass is scratch resistant but it isn't unscratchable nor unbreakable.

Also consider that your carrier isn't the only option for insurance. Make sure you understand what the different options cover and don't cover. Don't just look at price.

Insurance for something that costs just a few hundred dollars is wasted money.

The cost of a new, unsubsidized device isn't a few hundred. Make sure you're comparing apples to apples. In most cases a person won't be able to get a new replacement for the subsidized price.

 

[BadDawg_1]

My last phone was G'zone boulder, tough has hell and I held it to that standard. I'm hard on stuff and I'm not rich. I could afford a new phone if I had too but the insurance protects me from a pissed off wife.

 

[Droid592]

Here is my thought on insurance, if you could afford the phone at full retail value and dont have a problem dishing that out when the time comes then dont get it. I have both insurances on my phone ( Total Equipment care and also asurion ) one for the accidental damage that i one day could cause to the phone and another for the phone malfunctioning itself. I just got a replacement phone yesterday for mine and no i never thought they were gonna send me a brand new phone but they did and the best part about it is i didnt pay anything at all (besides what i pay monthly for insurance).

Just my two cents.