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1 yr warranty?

Okay so my screen stopped working and I heard that tmobile has manufactorer warranty for one year even if you dont have insurance? Is it true?

sasha101 said:
Okay so my screen stopped working and I heard that tmobile has manufactorer warranty for one year even if you dont have insurance? Is it true?
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HTC covers for 1 yr. Tmobile will just say call HTC.

xsnipuhx said:
HTC covers for 1 yr. Tmobile will just say call HTC.
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Not true, I'm on my 5th tmo warranty replacement, bought my phone in march.... if this breaks I get the option to swap to any other color or an MT3G.... being a RadioShack employee we become a T-mo retailer in 20 days... ima play with for a couple weeks and maybe sometime before my warranty is up this one will somehow wind up defective...
And that applies to ANY new phone including new phones sent as warranty replacements, eg my current g1 was a new replacement so even though my orig purchase was march this one carries a one year warranty from the date I first put my sim in it.... 3 days ago

sasha101 said:
Okay so my screen stopped working and I heard that tmobile has manufactorer warranty for one year even if you dont have insurance? Is it true?
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Click to collapse
TRUE ...they jus send u a replacement & charge u $10 for shipping & u send ur old phone back in the box they sent ur new 1 in
BUT the new phone they will send u will be REFURBISHED!!! NO IF &S OR BUTS

Again not true the warranty replacement bin so to speak has a mix of new and refurb g1's its luck of the draw what you get... call tmo and ask when your warranty expires, if its a year from the date of you got your last new phone, then you got a refurb, if it's not then you got a new one, eg my phone has a one year warranty from one year from tthe day I popped my sim in it, not a year from the day I bought my 1st g1 in march

Tmo will send you a replacement, as others have said. If you call HTC, they too will cover it, however you have to send it to them and they will repair the problem(s) and send back your unit.
This is also the only way someone like me can get a G1 fixed, as I bought mine secondhand from CG.

I have ACTUALLY gone through this process with t-mo. I also now work for them. If you call them and you within the 1 yr waranty you get one sent though a third-party company which also handles insurance replacements. You can ask for a different collor, but it is pointless considering the device you recieve won't come with a batter, battery cover, or cables. As far as refurbs go it depends on what is in stock at the closest warehouse of said third-party. If there are new ones in stock that's what you get. You nor t-mo can ask for new versus refubished as already stated it's the luck of the draw.
The majority of what these loons say isn't true. Also, for future assurance of not paying out the ass for a new phone just pay the measley $4 a month incase it happens again next year.
P.S. ESKIMO if you are hoping your device might suddenly become "defective" what I have done is re-flash the old dreaming.nbh and the flash haykuro's broken SPL. Instantly causing your phone to brick (forever). Give t-mo a call and you'll have a new phone in a weeks time .

Lol thanks but that's only number one on my list of way's to break this sucker.... I did mention om on my 5th g1 in 5 months
And while tmo may not be able to request new or refurb the warranty replacement mgr I spoke to and have the cell number of, said they may know weather they are currently shipping one or the other out of a warehouse.... its a simple as checking the warranty attached to the IMEI 90 warranty (or remainder of current) is refurb 1yr is new.... every tiime

How is this possible, i got the insurance thing from t-mob and they told me, in case the phone was stolen, broken etc etc. i had to pay a deductible price of $130 ????

If your under warranty then the only thing extra insurance covers is loss or theft.... and technically water and screen dmg cuz you could LOSE it

ESKIMOn00b said:
Again not true the warranty replacement bin so to speak has a mix of new and refurb g1's its luck of the draw what you get... call tmo and ask when your warranty expires, if its a year from the date of you got your last new phone, then you got a refurb, if it's not then you got a new one, eg my phone has a one year warranty from one year from tthe day I popped my sim in it, not a year from the day I bought my 1st g1 in march
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cool, I *work* for t-mobile in the PDA dep (so I support G1 yay) and didn't even know this. Though I had suspected it, as I'd noticed the discrepancy in that some warranty replacements would show 1yr instead of 90days or existing as we always advise customers.

superGOAT said:
I have ACTUALLY gone through this process with t-mo. I also now work for them. If you call them and you within the 1 yr waranty you get one sent though a third-party company which also handles insurance replacements. You can ask for a different collor, but it is pointless considering the device you recieve won't come with a batter, battery cover, or cables.
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whoa several things wrong there. First, $4 isn't the cost for insurance, it's $5.99 if you get the extended warranty (which I certainly would if you're going to have it at all) and $4.79 if you only get insurance.
Also, if you are within the 1 year warranty, T-Mobile will replace your device, but we certainly don't refer you to anyone else to do it, and you can CERTAINLY NOT request a color change. There's no way for us to do it! If you have insurance, and the phone is physically damaged, is the only time we refer you to a Assurion. You claim to work for T-Mobile but you definitely don't seem to work in PDA or any other support department that actually does exchanges.
ESKIMOn00b said:
If your under warranty then the only thing extra insurance covers is loss or theft.... and technically water and screen dmg cuz you could LOSE it
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On this, this is incorrect. The insurance covers anything not covered under warranty. You can throw it against the wall, break the screen, cook it in the microwave, etc, and they'd still send you out a new phone for the deductible cost. You could theoretically even say you lost the phone, pay $130 for a replacement, and then sell the original on eBay for a profit! Though the prevent this type of thing by banning you from insurance if you have more than 2 insurance claims in 1 year (Assurion will do this, not T-Mobile)
EDIT:
Wow, after reading further in this thread..... you guys have a real confusion on how warranty, insurance, and multiple exchanges work! I'd say - call t-mobile and ask to speak to a rep and see what actually happens.
The basics:
1: You bought the phone from eBay or got it from "some guy": Call HTC and see what they can do. T-Mobile can't help you.
2: You bought the phone from TMobile: T-Mobile handles warranty, Assurion handles loss/theft/accidental damage. You can't change color or devices.
3: You've had multiple exchanges of the same device (more than 3 in 90 days): You can change the device, but you can't pick what device replaces it (we tell you) and you can't pick the color. You won't get a MyTouch for a G1 (lol, I wish). You'll likely get a Dash or Blackberry, but that is determined by the warranty system, and you can only take what it offers or your same device back.
4: You bought the phone from TMobile, you've had multiple problems, you hate the phone, etc and you DON'T like what the system offers you on step 3. Talk to Loyalty and they'll give you a cheap upgrade. Probably not to a MyTouch as that is kinda the same phone, and we know what you're doing.
5. You have a G1 and want a free MyTouch. Not gonna happen. Nope.

O2: Unofficial Unlock Voids Warranty

Just spoke to my local O2 shop (Maidstone) because the unofficial leather slip case I bought from them seems to be depositing black dye on the back of my HD7
They were very helpful and said bring everything in, boxes, receipts and all. I said great, and just supposing you decided to replace my handset, what about the £16 odd I have spent getting it unlocked?
Their reply: because you've unlocked the handset not through us, you've actually voided the warranty.
I pointed out that my issue is not with the handset but that the case they have sold me doesn't appear fit for purpose. They declined to voice an opinion but would make a decision when I've brought the phone and case in and they've seen it themselves. They did say they certainly wouldn't be refunding my cost of unlocking the handset whatever happens.
I've no issue with O2 for this stance if indeed it is their official stance but thought you all should know so you can factor it into your decision whether to unlock your handset.

thanks for the heads up

Will101 said:
Just spoke to my local O2 shop (Maidstone) because the unofficial leather slip case I bought from them seems to be depositing black dye on the back of my HD7
They were very helpful and said bring everything in, boxes, receipts and all. I said great, and just supposing you decided to replace my handset, what about the £16 odd I have spent getting it unlocked?
Their reply: because you've unlocked the handset not through us, you've actually voided the warranty.
I pointed out that my issue is not with the handset but that the case they have sold me doesn't appear fit for purpose. They declined to voice an opinion but would make a decision when I've brought the phone and case in and they've seen it themselves. They did say they certainly wouldn't be refunding my cost of unlocking the handset whatever happens.
I've no issue with O2 for this stance if indeed it is their official stance but thought you all should know so you can factor it into your decision whether to unlock your handset.
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rubbish
never believe local shop staff
1. O2 will never know when you return it
2. its not a hardware or software modification, just like changing a setting, so no way can they refuse to honour a warranty
however its the height of cheek you asking to refund your unlocking cost. thats nothing to do with them (unless it was an O2 unlock)

colonel said:
rubbish
never believe local shop staff
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That's great advice, I'll be sure to pass it on to them when I take my phone and case in and ask them what my options are...
At the end of the day, even if they refund the cost of the leather case and replace the handset, I'm still out of pocket. Why should I as the consumer be out of pocket because a product they sell has damaged or defaced one of my possessions whilst using it for it's intended purpose?

Will101 said:
At the end of the day, even if they refund the cost of the leather case and replace the handset, I'm still out of pocket. Why should I as the consumer be out of pocket because a product they sell has damaged or defaced one of my possessions whilst using it for it's intended purpose?
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The phone was provided locked and it was YOUR desicion to pay to unlock it. If you wanted a free unlock you should have gone to O2.
I do agree with the other posters that unlocking the phone does not void the warrenty, they may just be confusing this with a phoen that requires a ROM flash to unlock (as in older phones).
However I am suprised you expect O2 to pay for you going elsewhere tp unlock your phone rather than being patient and going through O2! Unfortunatly you have to take some responsibility for YOUR actions as you are expecting them to take responsibility for theirs.
It's a bit like buying a new shirt, wearing a couple of times and then taking it back to the shop for a replacement and expecting them to pay the cleaning bill for it too.

How many people actually have that AT&T insurance?

Trying to debate if I should get it or not. Hear they will replace it no matter what...
Only $5 a month plus since I got my phone and do the math of 2 years, it's obviously only $120 which is still cheaper than most Captivates sell for.
Opinions?

I have always paid the $5 extra for the insurance. I have also used it a couple times.
Sent from my SAMSUNG-SGH-I897 using XDA App

I personally think it is always useful as like you said even if you use it only once then it is still cheaper then buying it retail

xBarbarian said:
I have always paid the $5 extra for the insurance. I have also used it a couple times.
Sent from my SAMSUNG-SGH-I897 using XDA App
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For what exactly?

Do they charge a deductible though?

I used it for obvious reasons, phone replacement and the deductible was $50. The insurance is worth it. It is $5 extra a month... you really need to think it over? lol
Sent from my SAMSUNG-SGH-I897 using XDA App

Well, it all depends on the deductible too. I mean if they charge a $150 deductible and you pay $5 for a year. $150+60=$210 and at that point you could still find a Captivate for that price if I'm not mistaking.

I do not have AT&T insurance as I don't live in the US, but I have extended warranty on my phone through Future Shop. I used my extended warranty to get this phone, actually. My LG Eve's microSD slot stopped working so I paid the difference and got a Captivate. There's no deductible on my plan, as it's a warranty not insurance.
Where can you find a Captivate for $210?

I edited my post. Not much else to say.....
Sent from my Captivate running FireFly 1.5

Insurance is $5/mo. You have to pay a deductible and they have two tiers. Tier one has a $50 deductible and Tier two has a $150 deductible. Samsung Captivate is Tier Two...HTC Aria, for example, is Tier one.

gormander said:
Insurance is $5/mo. You have to pay a deductible and they have two tiers. Tier one has a $50 deductible and Tier two has a $150 deductible. Samsung Captivate is Tier Two...HTC Aria, for example, is Tier one.
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So what classifies as tier one? Certain phones?
Bottom line if I have my Captivate with the AT&T $5 a month insurance and drop in water, how much would I pay for a new one?
Probably going to do it; just being cheap. lol

I always pay for it for just the first year I own a new phone and then cancel it. that way I'm eligible for at least an early upgrade.

Isn't att supposed to cover our phones for a year? That's what I heard... I went in once cause of a.bad flash and the fne.gentleman that helped me told me that the phone has a 1 olyear warrenty plan on it already.

Yeah most devices come with a 1 year limited warranty. Thats usually through the manufacturer, not the provider

I figured I was better off with it than with out it. At least I know I have that "insurance" AT&T provides.

I've been with AT&T since before it was AT&T (down here in Miami it was Bell South Mobile, then Cingular, now AT&T) and I've always had insurance. I've used it more than few times. Few more bucks a month in exchange for not having to buy a new handset at full price if something happens? I'm in!

xThe Enforcer said:
So what classifies as tier one? Certain phones?
Bottom line if I have my Captivate with the AT&T $5 a month insurance and drop in water, how much would I pay for a new one?
Probably going to do it; just being cheap. lol
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You'd pay $150.
Tip: If you do actually end up breaking your phone, I've found it's better to say you lost it. Otherwise they occasionally try to get you to send the handset to them so they can attempt to fix it...leaving you without a phone for a period of time.

xThe Enforcer said:
So what classifies as tier one? Certain phones?
Bottom line if I have my Captivate with the AT&T $5 a month insurance and drop in water, how much would I pay for a new one?
Probably going to do it; just being cheap. lol
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Click to collapse
As noomoto said, you'd pay $125 and shipping I believe. What consitutes as tier 1 is determined by AT&T. Basically, any "high-end" new phone such as the captivate constitutes as tier 2. Things like the "free" phones you get when you sign up for a new/renew subscription are considered tier 1. I may have my tier's mixed up but yeah, thats the general rule. There's a list you can find on AT&T website that explains which phones have a $125 deductible and $50 deductible. See link.
http://www.wireless.att.com/learn/en_US/pdf/wireless-phone-insurance-deductible-schedule.pdf
DeMarzo said:
Yeah most devices come with a 1 year limited warranty. Thats usually through the manufacturer, not the provider
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That is correct, most devices come with a 1 (or 2) year warranty and it is through the manufacturer. However, the manufacturer warranty does not cover things like "I lost my phone" or "Someone stole my phone" or things that break the terms of the warranty agreement (i.e. dropping it in water, accidental drops and breaking the screen). Manufacturers warranty technically cover things that are manufacturing defects (i.e. speakers suddenly not working, buttons suddenly stop working, touch screen suddenly stops responding).
AT&T covers everything. If you are accident prone and tend to drop your phone, lose your phone, etc, than it is better to pay the extra AT&T insurance. As a previous poster said, typically AT&T will make you take it to a repair center if there is any kind of malfunction in the product (i.e. if you bricked your phone or speakers not working). But if you flat out say "I lost my phone", then you pay the deductible and you typically get a refurbished phone, if you get lucky, sometimes you get a new phone.
EDIT: Im sorry, Tier 1 deductible is $50. Tier 2 deductible is $125...not $150

When I had to get a replacement (I have the AT&T insurance plan), they sent me the replacement phone first and had me ship the broken phone back in the same box with the battery. I thought I'd get two batteries from the incident at least, but I'm not at all lucky. I'm pretty sure they ended up charging me 150, but I'm not sure. You might want to by the Captivate at another outlet (best buy, radioshack) and get one of their warranties, might be cheaper in the long run.

Nope
Never needed insurance
I always keep a screen protector and case on all my phones
So that I can sell them when I upgrade and because a permanent scratch on a screen would drive me so nuts I'd have to buy a new phone, right now I can just replace the screen protector
That said I'm a programmer, I know my brother in law is in construction and he'd never go without phone insurance, it depends on how you and your life treats your phone.

[Q] HTC RMA Policy Specifics/ Dilemma

Yesterday I bought a Telus HTC One from a person off of Craigslist ($475), little did I know there is a cluster of stuck pixels along with several more stuck pixels at the top of the phone. I have unlocked it (I bought it locked to Telus, paid $25 for unlock) and put my Bell SIM in it.
The phone came as so:
-Bootloader is "*tampered*" along with an unlocked bootloader (which I can fix, I'm pretty sure: with s-off and re lock)
-Without the Beats Logo on the back (he took it off)
-Running some pre-release 4.2.2 ROM, rather then the stock Telus firmware (I'm sure I can flash the RUU)
-With a scratch on it which wasn't mentioned on the listing
-Digitizer is faulty, multiple stuck pixels and one large cluster (Well, "large" seeing that the pixel density is so high)
Since, I bought this second hand as well as being on Bell (I'm in Canada btw) would I be able to get RMA? As the EULA denounces that I being a second hand buyer can not have the warranty...I however do have the S/N stickers for the RMA and my seller will give me the receipt.
So should I get a refund or risk a possible reject from HTC RMA?
Pictures can be found here
imgur (dot) com/a/KBCdd (sorry for the dot, just add in period to get the url)

Customer shall present the PROOF OF PURCHASE upon claiming this
Limited Warranty. This Limited Warranty may not be sold-on, assigned,
transferred or given to any subsequent purchaser or acquirer of the
Product. This Limited Warranty is only valid and enforceable in the
countries where the Product is sold. Moreover, if Product is returned to
be repaired under
this Limited Warranty in the place other than where you purchased, HTC
attempts to repair such Product but can not guarantee the outcome.
Warranty service availability and response times may vary from country
to country and may also be subject to a registration requirement in the
country of purchase.
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I'm not a legal guy, but hmmm...

If the warranty is non-transferable you will end up paying money for out of warranty repairs. Display module replacement is 180 USD for USA.

Hunt3r.j2 said:
If the warranty is non-transferable you will end up paying money for out of warranty repairs. Display module replacement is 180 USD for USA.
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Well, if I can get the receipt and have the S/N stickers... technically I can say it's mine
Although, will Telus or Bell be able to check the IMEI to see who's it was?

TallDwarf said:
Well, if I can get the receipt and have the S/N stickers... technically I can say it's mine.
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The phone is yours, the warranty is not. If it was mine I'd be taking it up with the seller, doesn't seem that they were completely honest about the phones condition.

Nope, in almost all cases the warranty is not transferable. Think of it this way, you sign a contract with the seller to give them x amount of money for a certain item and they make you a promise that if the item breaks they will (under certain circumstances) fix it. Selling the phone on violates the original contract which is solely between you and the manufacturer and thus they have no obligation to fulfill the warranty to anyone but the original purchaser. That's the law but often not the practicality. If you have the warranty you may be able to take it into a shop and find a nice sales rep, or you may be able to get the guy who sold it to you to claim the warranty. However from what you have said he doesn't sound very trustworthy. If you have the warranty (piece of paper which came with the original phone) you could try and take it to a Telus store and see what they say.

cschmitt said:
The phone is yours, the warranty is not. If it was mine I'd be taking it up with the seller, doesn't seem that they were completely honest about the phones condition.
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postfatal said:
Nope, in almost all cases the warranty is not transferable. Think of it this way, you sign a contract with the seller to give them x amount of money for a certain item and they make you a promise that if the item breaks they will (under certain circumstances) fix it. Selling the phone on violates the original contract which is solely between you and the manufacturer and thus they have no obligation to fulfill the warranty to anyone but the original purchaser. That's the law but often not the practicality. If you have the warranty you may be able to take it into a shop and find a nice sales rep, or you may be able to get the guy who sold it to you to claim the warranty. However from what you have said he doesn't sound very trustworthy. If you have the warranty (piece of paper which came with the original phone) you could try and take it to a Telus store and see what they say.
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I think I will Un-Root, Relock Bootloader and get my money back. If all goes well hopefully I can just buy an unlocked international version in the coming months. Should I try and revert it to stock? ( I could probably get better footing in trying to convince him to refund )

[Q] Best Insurance Option?

I imported a Sony Xperia Z3c from the UK to the States and am thinking about getting an outside warranty program incase something happens.
I don't think I'm going to want to ship it across the world incase something happens. I have heard that many of the insurance companies in the states won't cover an imported phones so I was hoping someone had any experience with this before.
I've been looking around and there are a ton of options it seems like. Anyone have an suggestions or good experience with preferably the best bang for the buck.
I do tend to break my electronics and considering I just spent 500 bucks outright would love to keep this for a while.

I'd be interested in this as well. Particularly from a company that doesn't care if the bootloader is unlocked or not.

Alex2x3 said:
I imported a Sony Xperia Z3c from the UK to the States and am thinking about getting an outside warranty program incase something happens.
I don't think I'm going to want to ship it across the world incase something happens. I have heard that many of the insurance companies in the states won't cover an imported phones so I was hoping someone had any experience with this before.
I've been looking around and there are a ton of options it seems like. Anyone have an suggestions or good experience with preferably the best bang for the buck.
I do tend to break my electronics and considering I just spent 500 bucks outright would love to keep this for a while.
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I'm buying a policy from Worth Ave Group. They don't deal in repairs/replacements; they simply send you a check for the value of your policy minus the $50 deductible. The only thing they don't cover is if you just lose the phone somewhere.

mattdm said:
I'm buying a policy from Worth Ave Group. They don't deal in repairs/replacements; they simply send you a check for the value of your policy minus the $50 deductible. The only thing they don't cover is if you just lose the phone somewhere.
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Hmm that is interesting. I will check them out. Do I just specify what the phone cost me?
Have you had any experience with them before?

Alex2x3 said:
Hmm that is interesting. I will check them out. Do I just specify what the phone cost me?
Have you had any experience with them before?
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No, you don't have to specify the cost of the phone. You just choose how much you want your policy to cover. I chose $599, so I can get new chargers/case/ect. in the event I smash my phone and want to replace it with something different.
I haven't had personal experience with them, but I've read a lot of reviews. It seems like most of the complaints people have are:
- Trying to file a claim for a stolen phone and getting rejected because they don't have enough evidence of theft. (making it simply lost, rather than stolen)
- The claim check taking 2 - 3 weeks to arrive.
Neither of those poses a problem for me.

Awesome that sounds great actually. Much better then getting a refurb especially if the Z3c doesn't come to the states.
Thanks for the heads up.
I was considering protect your bubble but think I will go with this instead.

Alex2x3 said:
Awesome that sounds great actually. Much better then getting a refurb especially if the Z3c doesn't come to the states.
Thanks for the heads up.
I was considering protect your bubble but think I will go with this instead.
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Yeah, me too. I was considering Protect your Bubble and SquareTrade, but I like the freedom of simply getting a check in the mail rather than dealing with repairs or refurbs.

mattdm said:
I'm buying a policy from Worth Ave Group. They don't deal in repairs/replacements; they simply send you a check for the value of your policy minus the $50 deductible. The only thing they don't cover is if you just lose the phone somewhere.
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Just checked them out, looks ok but they don't specify anything about software issues or if the phone has had its bootloader unlocked.

FSRBIKER said:
Just checked them out, looks ok but they don't specify anything about software issues or if the phone has had its bootloader unlocked.
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No they don't. But how will they know? I'd be surprised if they have access to Sony's diagnostic programs, and I don't think they really care. If you file a claim for a phone with broken glass, I don't think they'll even try to find out if the bootloader is unlocked or not.

mattdm said:
No they don't. But how will they know? I'd be surprised if they have access to Sony's diagnostic programs, and I don't think they really care. If you file a claim for a phone with broken glass, I don't think they'll even try to find out if the bootloader is unlocked or not.
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Hopefully not for something not software related, but they could get to the Fastboot screen and like on all other Android devices it will show its unlocked. I just hate to see them deny an insurance claim as their policy is not clear regarding unlocking or what software is on the phone. I personally think if you brick your phone because you were flashing stuff then warranties should be denied(except for physical defects, cracked screens, etc.) but if there is a software issue you are unlocked and currently running the stock software then all warranties should be honored.

mattdm said:
No, you don't have to specify the cost of the phone. You just choose how much you want your policy to cover. I chose $599, so I can get new chargers/case/ect. in the event I smash my phone and want to replace it with something different.
I haven't had personal experience with them, but I've read a lot of reviews. It seems like most of the complaints people have are:
- Trying to file a claim for a stolen phone and getting rejected because they don't have enough evidence of theft. (making it simply lost, rather than stolen)
- The claim check taking 2 - 3 weeks to arrive.
Neither of those poses a problem for me.
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It sounds good, too good, so I read their policy booklet.
Two things: they don't cover accessories, and they will not pay more than the phone is worth at the time of loss.
Also, they have 3 options for payout at their discretion: (1) full cost of repair, (2) replacement cost of a refurbished item, and (3) replacement cost of a new item.
The kicker is that it's at their discretion so it's totally up them to decide which option to exercise and I'm certain they will choose the least expensive.
As an example, let's say the screen cracks and it costs $200 to repair - they are going to pay out $200 for the repair less $50 deductible and send a check for $150. But you've already paid $65 for the premium, so the net payout is really $85.

cschmitt said:
It sounds good, too good, so I read their policy booklet.
Two things: they don't cover accessories, and they will not pay more than the phone is worth at the time of loss.
Also, they have 3 options for payout at their discretion: (1) full cost of repair, (2) replacement cost of a refurbished item, and (3) replacement cost of a new item.
The kicker is that it's at their discretion so it's totally up them to decide which option to exercise and I'm certain they will choose the least expensive.
As an example, let's say the screen cracks and it costs $200 to repair - they are going to pay out $200 for the repair less $50 deductible and send a check for $150. But you've already paid $65 for the premium, so the net payout is really $85.
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Sounds like you're looking at their iPhone policy. If you purchase a generic cell phone policy, you choose the amount covered.

mattdm said:
Sounds like you're looking at their iPhone policy. If you purchase a generic cell phone policy, you choose the amount covered.
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I was looking at the cell phone policy, the same policy booklet applies to both iPhone and generic cell phone policies:
Policy Booklet - Insurance Policy with Accidental Damage
It's correct that you choose the coverage amount for generic cell phones but irregardless of what amount you select they won't pay more than the replacement cost value -- page 3:
Insurable Interest: We do not cover more than your insurable interest in any property. Therefore, the limit of insurance must represent the replacement cost value of the property you are insuring.
Click to expand...
Click to collapse

I'm pretty sure you can file claims with renter's/homeowner's insurance for phones (and other electronics)