Forum Discussion
Is it worth it still? Insurance that is.
I have an iPhone XR and my kid has an iPhone 11. Doing a deep dive on the bill we are still paying $18 a month for these for insurance. I verified with TMobile chat that we have the following deductibles:
Accidental Damage $99
Lost/Theft $249
Accidental Damage Screen Only Repairs $29
If i lost my phone and filed a claim, what kid of phone do I get as a replacement? the Iphone 13 shows at $829.
At what point am I flushing that $36 a month away? Probably now.... but if I get an iPhone 13 I am out $249, and at $18 a month.... kind of makes sense?
Ultimately, the choice is yours. As an alternative. You could put what you are paying for the insurance away each month to save up for a new device or to replace one if it goes missing or stops working.
Personally, I don't have insurance on mine. Phones do have warranties in case anything goes seriously wrong. I take good care of my devices so settling for a refurbished replacement is never going to cut it for me.
