Got a tip for us?
Let us know
Become a MacRumors Supporter for $50/year with no ads, ability to filter front page stories, and private forums.
Insurance for iPhones
- Thread starter St. Germain
- Start date
- Sort by reaction score
It may depend on your agent or something. I'm with State Farm and just got my iPhone covered along with my MacBook Pro. $83 dollars a year with a $100 deductible on the phone.
Be careful, it is up to you to read through ALL documents in order to make sure you are covered. What an agent tells you verbally may not be valid.
Anyone one have any luck with USAA?
A quick call only resulted in renter/home insurance. Which has a deductible ... yuck.
A quick call only resulted in renter/home insurance. Which has a deductible ... yuck.
state farm has a new policy with the iPhones.
due to huge demands.
Can you explain what is this policy? I think i have decided to join State Farm...
Is there could be any problems now??? Thanks
Probably Biggest Apple iPhone community
All State Farm agents around here wouldn't do the iPhone since they said that State Farm doesn't insure cell phones anymore. Called three different agents.
Called All State and they insured my cell phone and listed it in the agreement for a worth of $700. Deductable is $250. I have to get it 'appraised' to get the deductable down to $100.
Still, better than paying $600+ again.
Called All State and they insured my cell phone and listed it in the agreement for a worth of $700. Deductable is $250. I have to get it 'appraised' to get the deductable down to $100.
Still, better than paying $600+ again.
Problem with claiming something so small on a homeowners policy is that the insurance can be canceled, which puts you in violation of most mortgage agreements and can make it harder to find a new policy in the US.
aka, a CLUE entry can be problematic.
aka, a CLUE entry can be problematic.
A lot of this will depend on talking to the right agent it seems. I had a friend that was denied by their Liberty Mutual agent when trying to get their iPhone insured. I had no problem whatsoever getting mine and my wife's covered by my Liberty Mutual agent with no deductible for $20 a year.
It seems that different branches either have different policies or interpret coverage differently.
Mine told me the same thing. They did up until a short time ago... About the same time the iPhone came out...
Hmmm. Largest insurance company in the US longer covering the best selling mobile device ever..
Time to get my Tin Foil hat out again.
It's not as simple as picking the "iPhone" policy out of a book and writing it up... you must have your agent go to bat for you with an underwriter and get it added to a "Personal Articles Policy."
Now if you dont have a relationship with State Farm and call them to do this for you, they will most likely tell you to get lost -- they dont need that business. But for established customers, they will extend their coverage to you on an item that they would not normally insure.
I just got my iphone covered today with State Farm for just shy of $10 per year with NO deductible under a personal articles policy. I called my local agent and she wasn't sure about coverage so she contacted an underwriter and he confirmed that they would cover the iphone. I just had to provide the sales receipt. Under this policy everything is covered from accidental damage to dropping it to the bottom of a lake.