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The concept of cell phone insurance revolves around receiving a new phone if your current cell phone is ever lost or damaged. You can typically purchase cell phone insurance for around five dollars per month, depending on the company with which you have insurance. There are multiple companies that offer insurance for cellular phones; you simply have to choose the company with which you feel most comfortable.
The thing to remember about cell phone insurance is that most people who have it feel more comfortable purchasing an expensive new cell phone because they know that should something happen to that phone, they are covered. You should keep in mind that a new cell phone will likely come with a manufacturer's warranty, although these warranties only cover failures in the phone that actually stem from a manufacturing malfunction or defect. If you were to drop your new cell phone into water or accidentally misplace it, you would be in charge of spending a couple hundred dollars to replace it if you do not have insurance.
Most companies that offer cell phone insurance guarantee that you will have a replacement phone within a day or so. Most of the time, they will ship your new phone so that you receive it overnight. Typically, you will receive the same or a very similar phone to the one that you had insured. Cell phone insurance is an excellent option for those who spend hundreds of dollars on a new phone as well as those who tend to be a bit clumsy or forgetful and may misplace their phone or have it suddenly land in water or another instance which would ruin it. Those who work in the cell phone industry recommend insurance for anyone who works in dangerous-type situations such as law enforcement officers or even contractors who may work several stories above the ground.
Those who use PDAs or other expensive phones that could easily be out $500 or even $600 for a replacement may find cell phone insurance an absolute necessity. Keep in mind however, that it is not the phone you are insuring that will determine just what coverage you have. The actual insurance policy that you purchase will be what determines just what type of phone you get if and when yours is ever lost, stolen or broken. There are different policies and in order to choose the right one for your individual phone, you should take the time to review several before you make your ultimate choice. Be certain that you read and fully understand that limitations and exclusions that are contained in your telephone insurance policy to ensure that you are never met with a frustrating situation.
When it comes time to insure your cell phone, make certain that you have read all the fine print that may be included in your policy. That being said, there are hundreds of companies both online and off that can provide you with this valuable coverage when you feel the time is right.
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