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View Poll Results: Do you have Cell Phone Insurance?
Yes, I have it! 4 5.13%
No, I don't Have it! 74 94.87%
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Old 10-23-2015, 09:36 PM   #41
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Join Date: Sep 2013
Location: Cincinnati, OH
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Originally Posted by donheff View Post
I never buy maintenance contracts. Like others here, I rely on standard warranties and am self insured after that. When something breaks I briefly regret that I didn't get a contract on just that one specific item but then console myself that I am ahead of the game over the long term.
X2, I self-insure for almost everything. Never buy extended warranties. The few times extra insurance/longer warranty might have paid off, I am way money ahead in total costs for all the other items.

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Old 10-23-2015, 10:21 PM   #42
Confused about dryer sheets
Join Date: Oct 2015
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Huh, we have always had insurance on our phones but we are very active outside and I am accident prone, I think and have had to use it three times so faronce it was lost in a snowbank (hubby plowing the property in AK) once I threw it ACCIDENTALLY in the river in CA trying to save my hat on a riverboat ride and once I dropped it in the toilet....never recovered with the rice bag

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Old 10-24-2015, 04:37 AM   #43
Thinks s/he gets paid by the post
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Location: Limerick
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I never used to buy extended warranties for anything, but have slowly started to on more expensive electronics., including our iPhones, appliances and new cars. My Acura, typically a reliable car, needed the entire A/C system replaced at six years old. The $750 extended warranty I purchased saved me the $1,600 repair bill. DW had her cell phone stolen and replacement was paid for by iPhone insurance. She didn't buy coverage for her Toshiba laptop, and now it's keyboard is dead just after the manufacturer warranty expired. We did buy extended warranties for kitchen appliances and haven't needed them. All considered, we've not regretted our decisions.

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Old 10-24-2015, 08:00 AM   #44
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DW's Nexus 5 went belly up 5 days before the 2 year warranty was going to expire. It was replaced with a new (refurbished?) one.

Now I just put in an order for a new Nexus 6P. I opted for the $89 coverage to extend the warranty to 2 years (now only 1 year) and get breakage coverage but with a $79 deductible. Is it worth this for a $500 dollar phone? Should I drop this coverage? You guys are starting to convince me the answer is "NO".

I've never dropped a phone yet. I use my Nexus 7 tablet at home and on the road without a case to keep the weight down. In a pocket, having the phone "caseless" would be kind of nice. Maybe I should just get a case for vacations where I would be taking more pictures.
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Old 10-24-2015, 09:21 AM   #45
Recycles dryer sheets
Join Date: Dec 2013
Location: Kansas
Posts: 105
I don't have insurance, but I have never lost or broken a cell phone. If you have had lost several it might be worth it.

My brother who is a farmer has insurance as he has lost phones in pastures, fields and ponds. He also dropped one in a combine which broke it into many, many pieces. The cell phone company says farmers and those in construction are the hardest on phones.

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