Cell Phone Insurance
Get two years of smartphone insurance for as little as $8/month*
Why get cell phone insurance?
A phone's standard warranty typically covers hardware and software defects for a short time. But what if you crack your screen or spill coffee on it?
Progressive's Phone and Electronic Device Insurance by Worth Ave. Group offers protection the manufacturer's warranty doesn't. With it, you're covered from many of life's mishaps. Without it, you could be on the hook for hundreds of dollars to repair your phone or buy a new one.
Cell phone insurance plan coverage
Insurance for cell phones can help protect you from:
- Accidental damage due to spills and drops
- Theft and vandalism
- Cracked screens
- Power surges from lightning
- Fire, flood, and natural disasters
What smartphone insurance doesn't cover
Smartphone insurance won't cover everything that can go wrong. Common exclusions are:
- Viruses
- Normal wear and tear
- Software defects
- Modifications
- Unauthorized repairs
- Neglect
Compare cell phone insurance plans
Compared to paying $1,000 for a new iPhone, a two-year iPhone insurance plan through Progressive costs as little as $8 per month.† Plus, you can make unlimited claims, and you can purchase a plan regardless of whether your iPhone or Android is new or refurbished.
| Compare phone insurance** |
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Apple Care+ |
Best Buy Geek Squad |
Square Trade |
AT&T |
|---|---|---|---|---|---|---|
| Insurance or warranty | Insurance | Warranty | Warranty | Warranty | Warranty | |
| Theft | Checkmark | Not Applicable | Checkmark | Not Applicable | Checkmark | |
| Accidental drops | Checkmark | Checkmark | Checkmark | Checkmark | Checkmark | |
| Liquid submersion | Checkmark | Checkmark | Checkmark | Checkmark | Checkmark | |
| Power surge due to lightning | Checkmark | Not Applicable | Checkmark | Not Applicable | Not Applicable | |
| Physical damage | Checkmark | Checkmark | Not Applicable | Checkmark | Checkmark | |
| Used/Refurbished coverage | Checkmark | Not Applicable | Not Applicable | Checkmark | Not Applicable | |
| Unlimited claims submissions | Checkmark | Not Applicable | Not Applicable | Not Applicable | Not Applicable | |
| Coverage starts instantly | Checkmark | Checkmark | Checkmark | Checkmark | Checkmark | |
| Purchase coverage anytime | Checkmark | Not Applicable | Not Applicable | Checkmark | Not Applicable | |
| Policy length | Two years | Two years | Two years | Two years | Two years | |
| Deductible (portion you pay for claims) | $75 | $29-$99 | $149.99 | $149 | $29-$225 | |
| Price | $153 | $149 | $169.99 | $215.76 | $408 |
Other types of electronics you can insure through Progressive
With electronic device insurance through Progressive, you can get coverage for your other devices, too, including:
- Laptops and computers
- iPads and tablets
- E-readers
- Cameras
- Gaming systems
- iPods
Pro tip:
Set up automatic cloud backups so you don't lose photos, contacts, text messages, and other data if your smartphone is stolen or damaged.
Common questions about cell phone insurance
How much is insurance for a cell phone?
The cost of a cell phone insurance plan varies based on the phone's brand, model, and age, and the coverage amount you select. Typically, the more expensive the phone is, the higher your premium will be. Learn more about how cell phone insurance works.
Do I have to pay a deductible if I submit a claim?
Yes. If your phone needs to be repaired or replaced because of a covered event, you pay your plan's deductible, and the insurance company covers the rest. The minimum deductible on plans offered through Progressive is $50.
Why do I need insurance if I have a warranty?
In general, a cell phone warranty offers some limited mobile phone protection. It typically only covers malfunctions caused by manufacturer hardware or software defects. So, if your toddler drops your cell phone in the toilet and you can't get it to turn on again, you're out of luck. But if you have cell phone insurance, your plan can cover the cost to repair or replace your phone.
