Assurant Phone Insurance
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About Assurant Phone Insurance
Assurant is a phone insurance company that provides damage coverage plans. Assurant’s insurance plans are available through several cell phone providers, with costs depending on your mobile carrier’s rates.
Top Assurant Phone Insurance Reviews
My experience was great, the process was seamless without any issues. I processed the request online and the system was user friendly. I received my package in a timely manner and...Read full review
Excellent customer service! Listened carefully to my concerns. Willing to help me and did so expeditiously! I was very pleased with the customer representative and decided to rema...Read full review
What is Assurant Phone Insurance?
Assurant Phone Insurance helps customers protect their cell phones. A manufacturer’s warranty usually only covers hardware malfunctions and manufacturer defects, and they typically only last for the first year of your device’s life. If anything happens outside of those issues or that time frame, your warranty won’t help you.
Assurant offers protection plans that cover a variety of potential situations. This includes incidents like theft or loss, issues like water damage or cracks and hardware issues. This coverage provides financial protection if something happens to your phone, which is crucial as cellphones become more expensive.
Assurant is not available to purchase on its own. The company’s insurance plans are only available through the mobile carriers it’s partnered with. Contact your provider to ask about availability and learn about plans and pricing.
Nearly a dozen carriers work with Assurant, and each has its own Assurant plans and offerings. For example, Xfinity has one plan for iPhone users and another for Android users. T-Mobile, on the other hand, has basic and 360-degree plans that cover both iPhone and Android.
A basic plan covers hardware issues once the manufacturer warranty expires. It also covers accidental damage, loss or theft. Some providers may require a deductible or service fee for specific repairs. Advanced coverage includes AppleCare services (for Apple devices) and tech support, such as Tech PHD or Pocket Geek.
To know exactly what Assurant plans are available to you, contact your mobile carrier or check its Assurant brochure.
As with the plans that Assurant offers, your insurance cost varies depending on your mobile carrier. Some carriers offer several tiers with a variety of deductibles, while others have a single cost. There are many affordable options for those who want to save and higher-priced options for those who want the best coverage for their devices. Here are some example per-month costs:
- Metro by T-Mobile: $6
- Bluegrass Cellular: $7.99 to $9.99
- Spectrum Mobile: $7 to $18
- Xfinity: $7 to $15
- T-Mobile: $7 to $25
- U.S. Cellular: $9.99 to $11.99
Check your provider’s Assurant brochure to see which plans it offers.
Assurant Phone Insurance FAQ
What does Assurant cover?
Assurant covers a variety of issues that aren’t included in your manufacturer’s warranty. These include theft, spills, loss and general malfunction. It also covers device hardware after your manufacturer’s warranty expires.
Does Assurant cover cracked screens?
Assurant may cover a cracked screen if your package includes accidental damage coverage, but there’s usually an extra service fee.
How long does it take Assurant to process a claim?
Customer reviews generally mention a fast claims process with Assurant. Many reviews state claims take 24 hours or less to process.
Does Assurant give new phones?
Assurant doesn’t give new phones as a replacement, usually. It offers customers refurbished phones of similar quality. If there is no refurbished phone available, then Assurant provides a new phone of similar quality. All replacement phones come with a six-month warranty.
Is Assurant legit?
Assurant is a good option for phone insurance. Since Assurant is only available through your phone carrier, your cost and coverage depend largely on your provider. With that said, most carriers have affordable options for phone protection. If you’d rather not risk losing or damaging your phone, Assurant is a good safety net to have.
Assurant Phone Insurance Reviews
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I have phone insurance from my Wells Fargo credit card. Pixel 7. Phone was damaged due to water, which caused the screen to fail. Got an estimate for $350 to repair. Filed claim with Assurant using their online portal. Not too complicated of a process. Within 1 week they had approved the claim, offering either another phone (used) or to pay for repair to existing one. I chose repair since I needed the information off the phone. They OK'd it and transferred money ($350 minus $25 deductible) into the bank associated with my credit card (Wells Fargo). Entire process was just at 1 week. Probably would have been faster, but it took me a while to find someone who would work on water damaged phones and who would provide a written quote. I ended up using CPR which turns out to be associated with Assurant, which maybe helped.
We are thrilled to hear you are pleased with the experience!
Everything was explained clearly and thoroughly on what to do to. Quick response on replacement delivery. No need to change or fix anything for my situation. Nice to be able to do things without the hassle. Great work all the way around.
We are so happy to hear you enjoyed your experience! Thank you for sharing it with us.
When I received my new product that was very excited to get my second chance at a new phone but once received it noticed to me that it came scratched was really upset and disappointed this was the first time this has happened which I have return with y'all before but I understand accidents happen as you can tell. But was a little confused and misled with the return progress because as you know this was my first time returning new replacement. Spoke with the representative of y'all and had a thick accent so couldn't really understand her. But may do with what I had because was my fourth attempt to try to get in contact with y'all but was really friendly and end up working with me. But overall 10 out of 10 service and reliable. Thank you ASSURANT and friendly employees
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Two associates were extremely nice (** gentlemen with tattoos on his hands). The rest had a strange attitude like they don’t want to be there. I came 10 minutes early to pick up my phone and I was exploring new phone that I wished to purchase or settle a plan, nobody was seem interested to check on me. The gentleman’s I liked (one was gone and the second one was busy with another customer). Second, the store smelled on ** so badly. But that is nobody’s fault- that’s the new normal. Even I don’t think it’s normal. I work in service industry and I always wanted for my guests to feel welcome and respectful. Today I was just there to repair my phone and the atmosphere was a bit odd. I guess I will stick for the new purchases at Santa Monica location because they are rockstars over there! Sorry but they absolutely know how the customer service works!!! Repair technician was fast and overall AMAZING.
We appreciate any feedback that you are able to provide! Thank you for sharing.
Accidentally damaged my phone screen when I was removing my phone from my pocket and it dropped to the ground and shattered the screen. I force the phone over to the Metro by T-Mobile store nearby my home in San Francisco California and they gave me the information I needed to get in touch with the company Assurant... I called them and they verified the situation and also give me the information that I needed to either pay my deductible online or at the store location so the next day I went to the store location and paid and within the lot of time I received the replacement phone package. There's a box to send it back that was provided and I just need the transfer the information from my old phone to the new one and get that taken care of and then I'll send that back to them. It's all done in a timely fashion and just looking at the phone that they sent it's it's very nice so I just have to transfer everything over. Thank you. Bryan
Thank you for sharing your feedback with us. Glad to hear you had a great experience!
Updated on 07/08/2022: I got a good answer back from company. Just that I should have known before I went ahead and paid for the new TVs. Didn't know it had to be equal value. I am willing to work with them. They said I have 180 days to replace TV if I want claim paid.
Original Review: I'm had a claim for bedbugs which was paid but the claim for theft didn't go as well. I didn't know that you had to buy TV'S of equal value. Someone been breaking in my apartment since I live here in Eastover SC Lewis Scott Court 2005 till 2022. It's been an ongoing situation. My bank account and my life has been turned upside down. Just recently I decided to get this insurance because of the bad experience but adjuster didn't explain the process of the claim and didn't tell me that I had to purchase TVS of equal value.
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The people who helped me on this claim were wonderful, professional, and courteous. However, it was a huge hassle to get my claim filed and processed. I have this policy through Xfinity Mobile and it’s an iPhone 13, so I also have AppleCare. You would think being double covered would be better, but it honestly becomes more of a game of “pass the buck”! At first Apple told me to take it to Best Buy to be fixed, when I made an appointment and showed up the guy told me they don’t have the parts for the 13, so he would have to order them, and keep my phone for a week!
I’m not able to not have a phone for a week (like most people it’s my whole life on there) so I was frustrated that I had been sent there at all when they don’t even fix the model phone I have! Shouldn’t Apple know these things about their “certified iPhone specialist technicians” at Best Buy? Then Apple said to either go to the nearest Apple store (45 miles away) or give them a card they can put a $1000 hold on to “make sure I return my BROKEN device”! Who the heck has $1000 they can just put on hold?? And who has the time to drive 45 miles to another town to get a phone repaired? Regardless, I made the appointment and went to the Apple store, where they said because my AppleCare was purchased through Xfinity, the price of the repair was tripled, why???? The cost is the same??? AND they needed the phone for 4-5 hours to fix it!!
I wasn’t expecting that kind of wait time and had to get to work. So I’m back at square one, and call Assurant to see if I am covered by them. Luckily I got an amazing and helpful person who helped me right away and was able to get my new replacement overnight! Thank you so much for understanding my hassle and actually following through with your coverage Assurant!!!
We're so sorry for all the issues you encountered with this claim, but we're happy an agent could help. In the event you still need assistance, please send us a private message.
This is the worst insurance service ever and I regret paying monthly. Do yourself a favor. Save your money. I lost my phone and filed a claim. The deductible on an iPhone went from $100 to $249. Three days in and going on my 4th day and my claim is "in review" which means I still don't have a phone and have no idea when I will get one. On top of that, no one on the phone including managers are of any help. Most of them say they will transfer and then hang up or say they will escalate the case and nothing happens. I am very frustrated as a customer that I paid into something that is proving to be worthless. Because no one can help me and they are dragging their heels on replacing my phone, I will probably have to go with a phone for longer than a week. NOT what you expect when you pay for insurance. I would not recommend them at all.
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If you have phone insurance with Tmobile Assurant CANCEL NOW!! They don't listen to what the customer says and they transfer to each other so you're constantly repeating yourself. They say they're leaving notes and refer to go to mytmobile to check the status of the "updated claim" that hasn't been updated. I've called just about 2 times a week and each time they put me on hold and hang up the phone. I've requested to speak to supervisors and they put you on hold and hang up. If you have insurance with tmobile just cancel it. You're better off just buying a very good phone case and not ripped off by these people. TMOBILE employees couldn't even believe how rude they are. That's why they can't even speak to the employees of Assurant. That should be a red flag right there. A tmobile employee tried to help me and call them several times and couldn't get through. Don't bother, they'll rip you off and have nothing at the end.
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I was told by one Assurant rep. that we could have my wife's stolen replacement phone shipped to a post office, if we got either a P.O. Box or General Delivery set up, so we traveled over 25 miles (at great expense) to set up a P.O. Box address (also at great expense, we could not afford), only to be told "no shipment to a Post Office address!!! We are homeless and have no other address, and no T-Mobile store where we could pick up a phone will accept delivery either! My wife has a friend who lives nearby, but she cannot reach her because her contact info is on the stolen phone! I would not only ever recommend Assurant to anyone else, ever, but am intended to sue over this (and have already filed an FTC report about it)!
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I have been paying for device protection for years now and have 3 phone lines with t mobile. And just started using this service. My device started acting up. I put in for a phone replacement and the device they choose to send me was a refurbished $50 dollar phone opposite of what the Assurant agent told me I would receive. My deductible costed more than the phone. Tried to call to speak with a manager and they keep hanging up the phone instead of letting me speak to someone. Keep your money instead of phone company uses them. Deceptive practices.
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I had filed a claim due to having broken my phone. I did receive the replacement device on time. That's a plus. I mailed back the replacement device immediately in the return envelope provided by Assurant. I added tape to ensure that the device would not come out during transit and then took a picture of the tracking number to make sure it was delivered. A month later I get an email from Assurant reminding me to return my replacement device. I checked the tracking number and it showed it was delivered. I called customer service and they told me that they had received the device, but that it wasn't processed yet in the warehouse. Thinking it was all settled, I left it at that. Big mistake.
A couple of months later I received a charge for the replacement device on my T-Mobile bill. Called Assurant and they told me that they would investigate. Called back in a week and they told me that the package was delivered, but the phone was not inside and that there was nothing they could do. I have been with Assurant for about 7 years and had filed a claim 3 times throughout my time with Assurant. The first time it took forever for Assurant to contact the warehouse to process the device so I would not be charged. The second time, everything went smoothly. This third time I had to pay my replacement device even though I sent it as it was instructed. What is the point of having this coverage if every time I run the risk of being charged for the replacement device? I decided to cancel coverage on four devices. I recommend everyone who has Assurant to do the same.
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Assurant Phone Insurance Company Information
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