subject: Understanding Mobile Phone Insurance [print this page] Understanding Mobile Phone Insurance
With all the hype and value placed on a mobile phone, it seems that everyone has one in today's society. Insurance is usually offered with most mobile phones. Some can be paid for upfront but most are just added to your monthly bill. Many people decline the insurance because they have already paid so much for the phone, or their monthly bill seems to be getting to expensive. Most companies will only allow you to add insurance within the first 30-90 days, so it is important to make the right decision before it is too late. If you buy a cheap phone or receive a free phone with your new cellular plan, it may seem useless to purchase insurance. After all you paid very little for the phone and it should be easy to replace. While this may seem to be common sense, the fact is you received a great deal with your new plan. If you were to just walk into the cellular store and purchase a phone out right, it could cost double, triple, or even more for a phone without a service plan. Even if you already have a plan, many companies do not allow you to have a special rate or another discount until a certain period of time. Having insurance would allow you to replace your phone with ease. However, there are some companies that have a deductible on their cellular insurance. If your deductible is fifty dollars and the value of your phone is only forty-five dollars, it is obvious that you could skip the insurance without a problem. As far as smart phones go, it is always a good idea to research and carefully consider insurance. With smart phones ranging up to five hundred dollars, monthly insurance seems minimal. Having insurance for your phone is the same as having insurance on your vehicle. You would not expect to drive around with no insurance, get in an accident, and expect someone out there to pay for it. Same with your phone. You can not just come back and get your phone replaced for nothing, if you have not had any type of accountability. To make an informed decision, you should use Life Insurance Calculators. Also make sure to visit Buy Asteron Life Cover. You may also be wondering just how big of a risk it is to lack insurance. There are many examples of the risk you take in not carrying insurance. Temperature can hurt your phone. Let's say you work in a kitchen and stock the freezer for a half an hour, then go and work on the grill. If your phone is in your apron or in your pocket, it can suffer water damage from the condensation of the freezer to the grill. If you happened to splash water on it, there is no saying it will ever be the same. Even dropping your phone can cause damage. If you cellular phone is important to you, then insure it. Always make sure you ask thorough questions and find out all the details of your insurance plan before purchasing. You can usually remove the insurance at any time.
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