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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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Click to collapse
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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Click to collapse
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
Click to expand...
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.

Sprint insurance

Just curious how many of you got insurance on your phone. And what company.
Sent from my HTCONE using xda app-developers app

Best Buy Insurance
I bought the Best Buy Black Tie Protection because
I work there and got it for half off
Even if I didn't get half off, at $170 for 2 years, it's not bad (Sprint is $264 for 2 years).
Sprint charges deductibles for accidents, theft, or loss of phone (I believe $150/incident).
Best Buy, while not covering theft or loss, does guarantee unlimited replacements due to accident or failure of the phone with no deductible.

dag552 said:
I bought the Best Buy Black Tie Protection because
I work there and got it for half off
Even if I didn't get half off, at $170 for 2 years, it's not bad (Sprint is $264 for 2 years).
Sprint charges deductibles for accidents, theft, or loss of phone (I believe $150/incident).
Best Buy, while not covering theft or loss, does guarantee unlimited replacements due to accident or failure of the phone with no deductible.
Click to expand...
Click to collapse
Used to work at bestbuy myself. I actually bought the phone from sprint. Do they still offer the warranty seperate if I bring in my receipt dated within 30 days?
And it's a good plan, but the loss theft part kills me. Even though I'm sure I'd never lose it.
Sent from my HTCONE using xda app-developers app

joefx13 said:
Used to work at bestbuy myself. I actually bought the phone from sprint. Do they still offer the warranty seperate if I bring in my receipt dated within 30 days?
And it's a good plan, but the loss theft part kills me. Even though I'm sure I'd never lose it.
Sent from my HTCONE using xda app-developers app
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Unfortunately, if you bought your phone at the sprint store, you're unable to purchase the Best Buy plan. You'd have to return the phone to sprint, cancel your contact, and sign a new one at Best Buy. And that'd be a major headache.

dag552 said:
Unfortunately, if you bought your phone at the sprint store, you're unable to purchase the Best Buy plan. You'd have to return the phone to sprint, cancel your contact, and sign a new one at Best Buy. And that'd be a major headache.
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Click to collapse
Very true. Thanks for the info. I ink 2 years ago they used to allow people to buy iPhone warranties without having bought the phone from bestbuy. I guess sprint it is then
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joefx13 said:
Very true. Thanks for the info. I ink 2 years ago they used to allow people to buy iPhone warranties without having bought the phone from bestbuy. I guess sprint it is then
Sent from my HTCONE using xda app-developers app
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You're welcome. You could also use Squaretrade as an option if you want. They have a one time down payment, but they, like Sprint, charge deductibles for every claim. They're definitely cheaper than Sprint. That's usually a better option than going with the carrier.

dag552 said:
You're welcome. You could also use Squaretrade as an option if you want. They have a one time down payment, but they, like Sprint, charge deductibles for every claim. They're definitely cheaper than Sprint. That's usually a better option than going with the carrier.
Click to expand...
Click to collapse
I went with Squaretrade it only cost me $95 for two years.
Sent from my HTC One using xda app-developers app

I kept the Sprint insurance. I've only made claims involving loss or theft, so that makes sense to me.
Sent from my HTCONE using XDA Premium HD app

I've had TEP for as long as I can remember. I don't think I've owned a phone without it. If I was to buy my phone from BestBuy, I would probably go with theirs, but I can't because I have a SERO-P plan, and all my phones have to be bought through Sprint directly. Might look into some other form of insurance later though.

I have a SquareTrade coupon 30% off coupon code. Whoever wants it private PM me.
Sent from my HTC One using xda app-developers app

dag552 said:
I bought the Best Buy Black Tie Protection because
I work there and got it for half off
Even if I didn't get half off, at $170 for 2 years, it's not bad (Sprint is $264 for 2 years).
Sprint charges deductibles for accidents, theft, or loss of phone (I believe $150/incident).
Best Buy, while not covering theft or loss, does guarantee unlimited replacements due to accident or failure of the phone with no deductible.
Click to expand...
Click to collapse
where do you get the $264 for 2 years number for Sprint just out of curiosity? I just have the Sprint protection plan coverage and it's $8/mo, which would be $192 over 2 years. while I do still have the $100 deductible for each phone needing replacement, I do like that it covers lost or theft. so what I am paying is much more in line with the $170 over 2 years that Worst Buy offers.

sideofbacon said:
where do you get the $264 for 2 years number for Sprint just out of curiosity? I just have the Sprint protection plan coverage and it's $8/mo, which would be $192 over 2 years. while I do still have the $100 deductible for each phone needing replacement, I do like that it covers lost or theft. so what I am paying is much more in line with the $170 over 2 years that Worst Buy offers.
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It's actually supposed to be $11 a month for phones past the EVO 4G LTE.

eXplicit815 said:
It's actually supposed to be $11 a month for phones past the EVO 4G LTE.
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good know that I am possibly grandfathered, or Sprint is just f***king up? as this is my 2nd phone passed the LTE. :highfive:
or maybe because I bought my last one outright (Incredible)? but one would think upon activating that the bill would be adjusted for the active device that is insured? guess I will look at my next bill, but when I pre-ordered my One it showed by service charges that showed the protection plan at $8. but they also charged me 7.5% tax, instead of 6% tax, and was told it would be adjusted on my next bill. so maybe they are going to do that with my protection plan too?

TEP includes extended warranty plus Asurion insurance, we "Sprint" technically do not and cannot sell insurance. We sell our protection plan + contract with Asurion to provide you actual insurance.
There are no deductibles for repairs or exchanges for warranty issues for the complete time you have the device under TEP. Whether dead screen, earpiece/mic outtages, headset jack failures, touchpanel failures, etc.
You do however, have to pay a deductible to Asurion for Lost/Theft, Damaged either by abuse, liquid, fire or electrical damage much like any insurance available for homes, cars, other electronics etc.

I know someone said you have to buy from bestbuy in order to get their insurance but actually on the insurance plan's terms and conditions it says that you can bring in a recently purchased product in new condition and they'll allow you to buy their insurance
eXplicit815 said:
I've had TEP for as long as I can remember. I don't think I've owned a phone without it. If I was to buy my phone from BestBuy, I would probably go with theirs, but I can't because I have a SERO-P plan, and all my phones have to be bought through Sprint directly. Might look into some other form of insurance later though.
Click to expand...
Click to collapse
Sent from my HTCONE using xda app-developers app

dag552 said:
I bought the Best Buy Black Tie Protection because
I work there and got it for half off
Even if I didn't get half off, at $170 for 2 years, it's not bad (Sprint is $264 for 2 years).
Sprint charges deductibles for accidents, theft, or loss of phone (I believe $150/incident).
Best Buy, while not covering theft or loss, does guarantee unlimited replacements due to accident or failure of the phone with no deductible.
Click to expand...
Click to collapse
Best buy will replace it once for free. After that the black tie is considered used and you must pay again or you won't have insurance. At least that is what they did to me February 2013. I even argued my point. It was useless
Sent from my HTCONE using Xparent Blue Tapatalk 2

I have Sprint's TEP on my Note II and honestly I only got it because I know I can abuse it. Right now Sprint isn't charging back ASC's for dbr units only tracking how many devices get sent back as an advanced exchange that should have had the deductible filed and processed through Asurion. Now this is all set to change in June and I have a feeling they will start hitting us service centers for it. Also my plan is only $41 a month with TEP so I cant complain really

I had sprint Tep for the longest time but decided to cancel it with my One. Sprint Tep got so expensive so I decided to keep my EVO 4g lte if I ever mess my One up.
Sent from my HTCONE using xda premium

treIII said:
Best buy will replace it once for free. After that the black tie is considered used and you must pay again or you won't have insurance. At least that is what they did to me February 2013. I even argued my point. It was useless
Sent from my HTCONE using Xparent Blue Tapatalk 2
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Dang that sucks. You must have gone to a store with a bad manager, because we specifically state in the Terms and Conditions that the phone can be repaired or replaced unlimited times within your plan. You should go back and demand money or something. Or just blast everyone in corporate with a scathing email.
---------- Post added at 07:41 AM ---------- Previous post was at 07:35 AM ----------
treIII said:
Best buy will replace it once for free. After that the black tie is considered used and you must pay again or you won't have insurance. At least that is what they did to me February 2013. I even argued my point. It was useless
Sent from my HTCONE using Xparent Blue Tapatalk 2
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I know that at one point (we may still do this) the only device that could have Black Tie put on it without buying it at Best Buy was the iPhone. All other phones must be bought at Best Buy to qualify for the purchase of Black Tie.

No he is right. If you pay outright for the warranty then you can only replace it once in the period which sucks. But if you pay month to month it's unlimited.
Sent from my HTCONE using xda app-developers app

Did you buy Asurion with your Moto X?

The VZW rep told me that Moto partnered with Moto to guarantee that if you purchase Asurion, that you'll receive an exact replacement for your customized Moto X should it ever need replacing. What's more, they'll overnight you a temporary phone until yours can be built.
This is the only time i've seriously considered Asurion for any of my devices. Did you?

640k said:
The VZW rep told me that Moto partnered with Moto to guarantee that if you purchase Asurion, that you'll receive an exact replacement for your customized Moto X should it ever need replacing. What's more, they'll overnight you a temporary phone until yours can be built.
This is the only time i've seriously considered Asurion for any of my devices. Did you?
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Click to collapse
this is more of a discussion thread fyi. but just because no one has replied, ill share my thoughts. I always use asurion mainly because of how easy it is. You can do everything through a verizon store (for me) and it makes it just too easy to go else where. I walk in, say my phone sucks, they say ok without doing much of any kind of checks because they don't care, then if it is manufacturer warranty they ship me a new one within two days (im not motomaker customer) and thats it. I am never without a phone. I never have to deal with a rep on the phone. They never ask any questions really at the store because the reps know its just going to get sent back to moto for manufacturer warranty. If i screw the phone up some how, you just let someone steal that thing and get a new one for 100$ within two days. Just never had a problem or difficulty with them so it makes using them worth it.
when i use the word new i mean replacement fyi. Since im not a motomaker customer they don't have to build a new one for me so i just get replacements, which i have never had an issue with either.

FWIW - my wife tried to replace her DROID4 with Asurion and because the phone is "no longer manufactured", they tried to give her an LG Enact. For $99. Needless to say, I wasn't thrilled with the experience.

640k said:
FWIW - my wife tried to replace her DROID4 with Asurion and because the phone is "no longer manufactured", they tried to give her an LG Enact. For $99. Needless to say, I wasn't thrilled with the experience.
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Click to collapse
i have friends that have been in the same situation but when they called back in they gave them the option of different kinds of phones. they were always happy with the phone that they could get. sometimes they would just get the newest version of the phone that had been released.

I used to have it on the past devices, but dropped it on this upgrade. $10/mo for 24 months =240 + $149 deductible (as quoted by vzw) ends up being $389. Let's be honest, the moto x will be last years model in less than a year and available on Swappa.com for $200-250 on the off chance I break my phone (which I have yet to brake one). It didn't feel right paying for nothing like that. Their replacements are refurbs also, I had a friend that went through four swaps before getting one that worked.
Sent from my Nexus 7 using Tapatalk 4

trssho91 said:
I used to have it on the past devices, but dropped it on this upgrade. $10/mo for 24 months =240 + $149 deductible (as quoted by vzw) ends up being $389. Let's be honest, the moto x will be last years model in less than a year and available on Swappa.com for $200-250 on the off chance I break my phone (which I have yet to brake one). It didn't feel right paying for nothing like that. Their replacements are refurbs also, I had a friend that went through four swaps before getting one that worked.
Sent from my Nexus 7 using Tapatalk 4
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That's awesome if you didn't use MotoMaker.

natezire71 said:
That's awesome if you didn't use MotoMaker.
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Yup, 2 year warranty through Motorola is $85 for 2 years with a $40 deductible per incident. :good:

I dropped Asurion due to the confusion regarding the covering of the MotoX. I went with SquareTrade--except, I don't think they explicitly cover the MotoMaker ones. I registered it under a black MotoX.

I agree on the Motorola extended service plan. Great price and much better deal than Asurion.
Sent from my XT1053 using XDA Premium 4 mobile app

Srepoleved-Adx said:
Yup, 2 year warranty through Motorola is $85 for 2 years with a $40 deductible per incident. :good:
Click to expand...
Click to collapse
i thought vzw didn't offer the extended warranty with moto?

Asurion Covers Moto X
640k said:
FWIW - my wife tried to replace her DROID4 with Asurion and because the phone is "no longer manufactured", they tried to give her an LG Enact. For $99. Needless to say, I wasn't thrilled with the experience.
Click to expand...
Click to collapse
Hi 640k!
This is definitely not the feeling we want you and your wife to have about us. We would love the opportunity to change your mind about us. How long has your wife had her replacement phone? Is there something in particular that she does not like? Perhaps we can help!
Asurion Social Media Team @AsurionCares

AsurionCares said:
Hi 640k!
This is definitely not the feeling we want you and your wife to have about us. We would love the opportunity to change your mind about us. How long has your wife had her replacement phone? Is there something in particular that she does not like? Perhaps we can help!
Asurion Social Media Team @AsurionCares
Click to expand...
Click to collapse
we didn't go through with the purchase. it was not a suitable replacement.

Asurion Covers Moto X
640k said:
we didn't go through with the purchase. it was not a suitable replacement.
Click to expand...
Click to collapse
How long ago was this? Have you secured a replacement device as of yet?

AsurionCares said:
How long ago was this? Have you secured a replacement device as of yet?
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Click to collapse
Literally weeks ago. Ended up replacing her device with a new device/upgrade.

Asurion Covers Moto X
640k said:
Literally weeks ago. Ended up replacing her device with a new device/upgrade.
Click to expand...
Click to collapse
It's always a challenge when the manufacturer stops producing the device. Hopefully your wife is enjoying her new phone. Should you need assistance in the future, please do not hesitate to reach out to us.
Thanks!
Asurion Social Media Team
@AsurionCares

AsurionCares said:
It's always a challenge when the manufacturer stops producing the device. Hopefully your wife is enjoying her new phone. Should you need assistance in the future, please do not hesitate to reach out to us.
Thanks!
Asurion Social Media Team
@AsurionCares
Click to expand...
Click to collapse
Hello ASMT,
I was curious, with my MotoMaker Moto X, if I ever need to use my Asurion policy for my phone, will I be able to get a replacement that is customized as well? With Verizon blocking our ability to get MotoCare, I was very concerned I'd be left with a generic Moto X if I ever have to go through you for insurance.
Thanks!

patheimata said:
Hello ASMT,
I was curious, with my MotoMaker Moto X, if I ever need to use my Asurion policy for my phone, will I be able to get a replacement that is customized as well? With Verizon blocking our ability to get MotoCare, I was very concerned I'd be left with a generic Moto X if I ever have to go through you for insurance.
Thanks!
Click to expand...
Click to collapse
Don't bother. Just use the motorola insurance. It's much cheaper and you can be assured that you'll not lose the customization.

aooga said:
Don't bother. Just use the motorola insurance. It's much cheaper and you can be assured that you'll not lose the customization.
Click to expand...
Click to collapse
Read before posting. He can't get MotoCare because he's on Verizon.
Sent from my iPad using Tapatalk

Rhiannon224 said:
Read before posting. He can't get MotoCare because he's on Verizon.
Sent from my iPad using Tapatalk
Click to expand...
Click to collapse
How does Verizon block that? If he bought it through motomaker, then he can buy motocare right?
Sent from my XT1053 using Tapatalk

It's on Motorola site too, MotoCare is unavailable on Verizon phones, Moto Maker phones too.
Sent from my iPad using Tapatalk

Beware AT&T Insurance on Nexus 5

So like most in this forum, I bought my Nexus 5 directly from the Google Play Store. I chose AT&T as my carrier. When I signed up for the account at the AT&T store, I got the phone insurance to cover me when I inevitably crack the screen or my 3 year old drops the phone into the bath tub. I asked them when I activated the phone if the AT&T insurance covered the phone for replacement even though I did not buy it from them. "Of course!" the salesperson said. Bought the phone at the end of October.
Sure enough, last night my buddy bumped the phone out of my hand, and it dropped about 4 feet to a stone floor face first. Cracked!!! It pained me to see my new phone with a full screen length crack, but I breathed a small sigh of relief knowing I had bought the insurance for just this circumstance. I called AT&T this morning to ask about the claim process and the customer service guy told me he was not sure it was covered because, "The Nexus 5 is not a phone we carry." He advised me to call Asurion Mobile, the AT&T insurance carrier and ask them. When I called Asurion, they confirmed what the AT&T guy said. AT&T does not carry the Nexus 5 and therefore cannot replace one as part of a claim. Instead they said that they would replace the phone with "an equivalent".
I know others probably like those other carriers, but AT&T in Baltimore really does offer way better coverage than those others, even Verizon. Because of this, I would like to stay with AT&T.
I did not talk with Asurion any further, but this presents those of us who bought the phone unlocked and out of contract precisely to avoid the carrier capture relationship with a conundrum on AT&T. The insurance will cover you having a phone on AT&T, just not the one that we all really want. Interestingly T-Mobile and Sprint DO carry the Nexus 5. Am curious if anyone on those carriers has made an insurance claim and they gave you another Nexus 5? And further, if they did, was it unlocked or locked?
Reading another forum, I noted that my credit card my offer purchase protection given that I am (barely) still inside of 90 days. Will be investigating that possibility next.

Phone insurance is really a scam for such a low priced phone as the N5. Self insure and save the $$$

digiblur said:
Phone insurance is really a scam for such a low priced phone as the N5. Self insure and save the $$$
Click to expand...
Click to collapse
The $150 deductible for Asurion is ridiculous anyway. We just bought a pair of Nexus 5's from T-Mobile, but are holding off on insurance for now. I see Square Trade has insurance for $8 a month, with a $75 deductible -- my wife is a bit careless with the drops, so I was considering them for her phone.

Curious as to what they consider an equivalent. Possibly they replace the phone then you sell it to buy yourself another N5.
Sent from my Nexus 5 using Tapatalk

does any company do this? i dont get why the OP thought this would work. i get it that the customer service guy gave him the wrong information, but why did the OP expect this enough to even ask them in the first place?

@charmcitybryan - since ATT doesn't carry the Nexus 5, it makes sense that they can't replace your phone with the same one. You could do what @sprof suggested - and get the replacement they offer, and sell it and buy a N5 then.
Depending on when you bought your phone, and whether you used a credit card with accident protection, you may be covered by your credit card (check with your credit card if you used a credit card for the purchase)
If a carrier did somehow replace the N5, it will be unlocked (even if they somehow figured out a way to lock it - which they won't, unlocking it is as easy as flashing the stock image from Google).

dfin13 said:
The $150 deductible for Asurion is ridiculous anyway. We just bought a pair of Nexus 5's from T-Mobile, but are holding off on insurance for now. I see Square Trade has insurance for $8 a month, with a $75 deductible -- my wife is a bit careless with the drops, so I was considering them for her phone.
Click to expand...
Click to collapse
Well...that $8 a month might not sound like a month, but consider this...
Let's say she has the phone for a year. Month 12, she breaks it. Boom, in theory you pay $75 and you get a new phone. You can't ignore the $96 you've also already paid. And then you have the situation of having the insurance, but for some reason they don't decide to honor the claim. (let's ignore that for the sake of argument though)
Even if you break it on month 1, you're paying $83.
Assuming you have the 32G version...does the ratio of that $83 vs. the replacement cost of the phone REALLY make mathematical sense to you factoring in the odds of her breaking the phone?
It almost never does. Just saying!
Also...here's the best part....Take the price of this phone, and compare it to the price of other comparable phones. It's seriously about half as much as them, if you are considering the TRUE cost, ie: no contract price.
Take that extra $350 or so and save it. If you get your phone stolen or you throw it at someone in a fit of drunken rage...you can buy a new phone.
If that doesn't happen...You still have that $350!

Went from a Note 3 returned it to buy Nexus 5, cancelled my insurance because I knew AT&T would not carry it. Call Google get an RMA they should be able to replace it since we have a 1yr warranty.

Knight-Rider said:
Went from a Note 3 returned it to buy Nexus 5, cancelled my insurance because I knew AT&T would not carry it. Call Google get an RMA they should be able to replace it since we have a 1yr warranty.
Click to expand...
Click to collapse
Umm warranty doesn't cover smashed screens

shotta35 said:
Umm warranty doesn't cover smashed screens
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Click to collapse
Oh ok wasn't aware that Google didn't cover smashed screens good to know lol.

I'm shocked they even offered to replace it with an equal valued device. Not to sound hard to the op but I figured it would go without saying that a device not sold by Att wouldn't be covered through their insurance. Take the replacement and sell it for another n5.
Sent from my Nexus 5 using XDA Premium 4 mobile app

The nexus 5 is so easy to service yourself that it doesn't really need insurance.
Sent from my Nexus 5 using Tapatalk

I would be happy. Take what they give you, assuming its another high end phone, and sell it.

I'm just curious what equal value phone the OP will get. Nothing is really equal when it comes to specs with that price. Moto x costs more but lower in specs. I just hope that OP will get something that's equal in specs not in costs.
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Op let us know what they give you. I'm thinking the LG G2 and if they do that's not so bad is it?
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FuMMoD said:
Op let us know what they give you. I'm thinking the LG G2 and if they do that's not so bad is it?
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Only if it's unlocked like the nexus 5 would that be acceptable to me.
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i always have had insurance on all my phones.. im with sprint.. i ended up sellimg my gs4.. and got the N5 from the play store.. when i tried to get insurance on my N5 they said i cant bec ause i got my N5 from the play store.. sprint dont carry the 32 gig.. so now i have no insurence which sux.. but it is what it is

Update on OP
FuMMoD said:
Op let us know what they give you. I'm thinking the LG G2 and if they do that's not so bad is it?
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This is exactly why I love these forums! Great idea on getting the replacement and then selling to get another N5. Will definitely now start a claim to see what equivalent phone they will provide. Like another post said, I hope they provide equivalent specs, not equivalent cost given what a great value our phone is.
On the posts questioning why I thought AT&T would replace the phone in the first place, it's a fair question. I honestly have never used phone insurance before. My first mistake was believing the salesperson. Bummer, but that's life. I knew at the time that AT&T did not carry the phone, but was guessing the business model of the insurance would be as fine with providing cash so I could just get a replacement as they would providing a replacement phone. Always read the fine print and all that I guess. Another good option is just sending the phone in to LG for a screen replacement. I have read in other threads that may actually cost less than the deductible to replace the whole thing.
On the economics of cell phone insurance vs. self insuring given the cost, I found this article on Lifehacker that does a nice summary of the plans that are out there. Do a quick google search for it.
I think the argument that the high cost does not justify the benefit is particularly interesting now that many of us have the phone out of 2 year contracts and paid a low price for a great product. Aren't we all likely to jump at the next Nexus that comes out in a year? If so, as time approaches the next release, the value of replacing the phone we have goes down significantly.
In fact, given this, it would seem only to make sense to get phone insurance (if one wanted it) that provides a cash payout of the purchase price of the phone. Because the price of our phone is less, the premium would be lower and possibly a better cost benefit equation.

Equivalent phone to me would be a 5", snapdragon 800, 1080p display, lte and unlocked.
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FuMMoD said:
Op let us know what they give you. I'm thinking the LG G2 and if they do that's not so bad is it?
Sent from my Nexus 5 using Tapatalk
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i gotta agree here

Phone insurance

I generally don't get insurance for my nexus devices because of the low cost, however this year is different and was wondering what peoples thoughts on insurance and possible recommendations are?

Alaris said:
I generally don't get insurance for my nexus devices because of the low cost, however this year is different and was wondering what peoples thoughts on insurance and possible recommendations are?
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I have been using Square Trade for 3-4 years and have been very happy. Always cheaper and copay is less than what carriers offer. Only downside is you have to send them the phone for repair. They promise 24 hour turnaround or resolution. Meaning , with shipping it usually takes 5-7 days to get phone back, so you have to have an old phone to activate in the interim.
First time I used it was on my wife's week old Evo 3D she dropped and cracked the screen. The phone had just been released, so they couldn't get the repair parts needed and dropped the full off contract price of the phone (if I remember it was either $599 or $699) into my Paypal account the day after calling to tell me they couldn't fix it. They are easy to deal with and highly rated by Consumer Reports. I will have it on my Nexus 6 the day I get it. They will also refund the unused portion of my current warranty that I have on my Nexus 5.

beefydoc said:
I have been using Square Trade for 3-4 years and have been very happy. Always cheaper and copay is less than what carriers offer. Only downside is you have to send them the phone for repair. They promise 24 hour turnaround or resolution. Meaning , with shipping it usually takes 5-7 days to get phone back, so you have to have an old phone to activate in the interim.
First time I used it was on my wife's week old Evo 3D she dropped and cracked the screen. The phone had just been released, so they couldn't get the repair parts needed and dropped the full off contract price of the phone (if I remember it was either $599 or $699) into my Paypal account the day after calling to tell me they couldn't fix it. They are easy to deal with and highly rated by Consumer Reports. I will have it on my Nexus 6 the day I get it. They will also refund the unused portion of my current warranty that I have on my Nexus 5.
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About how much does it cost to insure a phone through them?

I usually use the extended care plan from the manufacturer when available. I have AppleCare+ on my iPhone 6 (and all my iPhones prior), and Moto Care on my Moto X, and on my soon to be delivered 2014 Moto X as well. Since Motorola is making the Nexus, they might offer their Moto Care plan for it and if they do, I'd recommend that in a heartbeat. For the Moto X it was $85 up front and $35 deductible, and they do advanced replacements. I'm about to pay the $35 and replace my 2013 Moto X just to keep one that's brand new in the museum. For $35 why not?

Buy it with a credit card. Free cash back, one extra year of insurance, and price protection if it drops the price within 3 months.

I'm prob going with squaretrade unless google or moto has insurance for it

Alaris said:
About how much does it cost to insure a phone through them?
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Price is $99.00 for two years coverage. Includes accidental breakage, water damage, about anything except lost or stolen. It is subject to a $75 deductible.

I am curious about insurance as well.
How does SquareTrade stack up to Motorola's Protection Plan? At Motorola's site, the Moto X 2 year coverage is $85 with a $39 deductible.
https://motorola-global-portal.cust...detail/a_id/101900?g_id=3813&session=jvnZLr5m

I wonder if I have to buy the phone from motorola in order to get their insurance.

joshua.justice said:
I wonder if I have to buy the phone from motorola in order to get their insurance.
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Yea same here. I'm getting it from the play store so I don't know if Google will offer any protection plan.
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selayan said:
Yea same here. I'm getting it from the play store so I don't know if Google will offer any protection plan.
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Google only has the automatic one year warranty against defects that comes when you buy the device from them, which is great BTW. They don't offer any sort of supplemental insurance for accidental damage. You'd have to go through a company like Square Trade for something like that. Or Motorola, if they allow you to insure devices that weren't directly purchased from their website.

charesa39 said:
Google only has the automatic one year warranty against defects that comes when you buy the device from them, which is great BTW. They don't offer any sort of supplemental insurance for accidental damage. You'd have to go through a company like Square Trade for something like that. Or Motorola, if they allow you to insure devices that weren't directly purchased from their website.
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As of now, Motorola will only insure a Nexus 6 purchased through Motorola.

Anybody know how many times square trade will fix or replace a device during those 2 years?

Is square trade cheaper? I'm going to go with Motorola because they do advanced rma.
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