Phone Insurance Site
helping you make the right decisions...
Do you need cell phone insurance?
There are different sides of an argument for every topic in the world. This is true even for cell phone insurance. While there are many who believe that this insurance is not only acceptable but necessary, there are always those who will disagree just for the sake of arguing. Whether or not you need cell phone insurance depends on a number of different factors, not the least of which is the price that you pay for your new cell phone.
If you are planning to shell out upwards of $500 for a new cell phone, then you may certainly want to make sure that your phone is covered in the event that it is ever lost, stolen or broken in any way. While manufacturer's warranties are good for new phones, they simply do not cover every aspect of what could happen to your cell phone. If you drop it in water or misplace it, a manufacturer's warranty will simply do you no good. Having cell phone insurance is important particularly for those who are planning to spend a small fortune on a new phone.
You may also want to have a good cell phone insurance policy if you are the type of person who is considered clumsy or accident-prone. Simply dropping your phone in a puddle of water could ruin it completely, leaving you out several hundred dollars to replace it. Those who tend to work or play hard may also want to consider having cell phone insurance simply because their risk of damage to their phone is much greater than say, those who work in a library and have no social life. If you typically take your cell phone with you when you ride bulls or even when you ride your motorcycle, cell phone insurance is an excellent idea.
It simply makes sense after you have gone to the trouble of selecting your new phone and shelling out the hundreds of dollars to pay for that phone, that you would want some sort of insurance to guarantee that you can get your phone replaced should something happen to it. After all, when you purchase a new car, you get insurance for that, right? Why then, would you not consider spending just a few dollars each month to protect your investment in a new cell phone?
Again, there are those that would argue that cell phone insurance is simply a waste of money. After all, if you never break or lose your phone, then you would not really need the insurance. Consider however, that you may have health insurance to protect you should you fall ill or become injured. Whether or not you ever use your health insurance, you likely feel better simply knowing that you have it should the need for it ever arise. The same is true of cell phone insurance. Whether you ever need it or not, it simply makes sense to insure your investment and make certain that you can have your cell phone replaced should you ever need to do so.
Recommended web sites...
We're just an information-site, and are not trying to sell you any insurance. We try to be as complete as possible - but sometimes, we're just not. That's why, on each page, we list a number of web sites we suggest for further information on the topics we're talking about too!