Do you have a smartphone or a high end cell phone? Are you concerned about the cost to replace your cell phone if something happens to it? Most cell phone carriers offer monthly cell phone insurance plans but these plans can be expensive between high monthly premiums, deductibles that you have to pay when an accident occurs, and exclusions that can leave you without coverage and without a new cell phone.

Without a subsidy from the cell service carrier a smartphone can be very expensive to replace. The Apple iPhone currently costs $599 to replace without a subsidy! What if you could insure your cell phone against breakage and fatal accident for a fraction of the cost of monthly cell phone insurance plans?

Most preferred insurance companies will allow you to schedule your cell phone on your home insurance policy. By scheduling your cell phone on your home insurance policy you insure it against all risks aside from manufacturer defect (most often covered by warranty) for a fraction of the price of a cell carrier insurance plan. Another great advantage to scheduling your cell phone on your home insurance policy is there is no deductible when you file a claim. The current cost to schedule a cell phone on a homeowners policy is approximately $20-$30 a year! That is over $100 less than most cell carrier’s would charge for cell phone insurance.

If you have a smartphone or other high end cell phone and you want to protect your investment, cell phone insurance through your home insurance policy is a great way to make sure your cell phone is protected.

If you have any questions or would like more information on cell phone insurance call Shaffer Buck Insurance at 208-454-1401 or Contact Us.