Does Phone Insurance Cover Cracked Screens?

We’ve all been there – the dreaded cracked screen. Whether it’s from a fall, a mishap in your bag, or just bad luck, seeing that web of cracks across your phone is never a pleasant sight. But fear not! If you have phone insurance, you may be covered for this frustrating issue.

In this blog post, we’ll dive into what phone insurance covers and answer the burning question: does it cover cracked screens? So sit back and read on to find out everything you need to know about protecting your beloved device.

What is phone insurance?

Phone insurance is a type of coverage that protects your phone from various damages and losses. It’s an optional policy you can purchase through your carrier or a third-party provider.

The coverage typically includes protection against water damage, physical damage (such as cracks or dents), theft, and loss. Depending on the specific policy you choose, there may be limitations to what is covered and how much it will cost.

While some people might think phone insurance isn’t necessary, it can provide peace of mind knowing that if something does happen to your device, you won’t have to pay for costly repairs or replacements out of pocket.

It’s important to note that phone insurance is different from warranties offered by manufacturers. Warranties generally only cover defects in the device itself rather than accidental damage or loss.

When considering whether or not to get phone insurance, weigh the potential costs of repair or replacement against the price of the policy. And remember – accidents do happen!

What does phone insurance cover?

Phone insurance is a type of coverage that can help protect your device from different types of damage, loss or theft. It’s an essential purchase for many smartphone users since these devices are quite expensive and require regular use.

One of the main things that phone insurance typically covers is water damage. This can include accidental spills, drops in the pool or bathtub, or even submersion in water. If your phone gets damaged by water while you have coverage, you’ll usually be able to file a claim and get it repaired or replaced.

Another common type of damage that phone insurance may cover is physical damage. This includes things like cracked screens, broken buttons and other physical issues with your device that aren’t related to water exposure.

Some types of phone insurance also offer protection against theft or loss. If your device gets stolen or lost while you’re covered under one of these policies, you may be able to file a claim and receive compensation for the value of the lost item.

It’s important to carefully review any policy before signing up for phone insurance so that you know exactly what kind of coverage you’ll have in case something happens to your device.

-Water damage

Water damage is a common problem that phone owners face. We all know the feeling of dropping our phones in water or accidentally spilling liquids on them. Fortunately, most phone insurance policies cover water damage.

Phone insurance covers accidental liquid spills and even submersion in water for a certain amount of time. However, it’s important to read your policy carefully as some insurers may have exclusions or limitations when it comes to water damage.

If your phone experiences water damage, the first thing you should do is turn it off immediately. Don’t try to turn it back on because this can cause further damage. Instead, dry off the exterior with a towel and remove any SIM cards or memory cards if possible.

Next, contact your insurer as soon as possible to file a claim. They will guide you through the process and let you know what steps need to be taken next.

Remember that prevention is key when it comes to avoiding water damage. Invest in waterproof cases or avoid using your phone near bodies of water if possible.

Having phone insurance can provide peace of mind knowing that accidents such as water damage are covered under your policy.

-Physical damage

When it comes to phone insurance, physical damage is one of the most common reasons people file claims. Physical damage can include anything from a cracked screen to a damaged camera or buttons. With phone insurance, you can be covered for accidental drops and other types of physical damage.

It’s important to note that not all types of physical damage may be covered by your policy. Some insurers may have exclusions for intentional damages or damages caused by normal wear and tear.

If you do experience physical damage to your phone, it’s important to file a claim as soon as possible. Many insurers have specific time limits for filing claims after an incident occurs.

In order to receive coverage for physical damage through your phone insurance, you will likely need to pay a deductible. The amount of the deductible can vary depending on your policy and the extent of the damage.

Having phone insurance that covers physical damage can provide peace of mind in case accidents happen. Just make sure that you read and understand your policy so that you know what is covered in advance if something goes wrong with your device!


When it comes to phone insurance, theft is one of the main concerns for many people. After all, smartphones are valuable devices that can easily be stolen or lost. That’s why having phone insurance that covers theft is essential.

If your phone is stolen, your insurance policy will typically cover the cost of replacing it with a new device. This means you won’t have to pay full price out of pocket for a new smartphone. However, it’s important to note that most policies require you to file a police report and provide proof of the theft before they will issue a replacement.

Additionally, some insurers may also offer coverage for unauthorized use of your phone if someone steals it and uses it without your permission. This can protect you from unexpected charges on your phone bill if someone makes calls or sends texts using your stolen device.

Having coverage for theft in your phone insurance policy can provide peace of mind knowing that you’re protected in case the worst happens.


One of the biggest fears when it comes to owning a phone is losing it. Whether you accidentally leave it somewhere or someone steals it, the feeling of panic and frustration is an experience nobody wants to go through.

Thankfully, many phone insurance plans cover loss as well as theft. This means that if you lose your phone or it gets stolen, you can file a claim with your insurance provider and get a replacement device.

However, it’s important to keep in mind that there may be some limitations to this coverage. For example, some policies may only cover loss if the phone was lost while under your personal care and control.

Additionally, there may be deductibles or fees associated with filing a claim for loss. It’s important to read your policy thoroughly so you understand exactly what is covered and what isn’t.

Having coverage for loss can provide peace of mind knowing that even if the worst happens and you lose your phone, you won’t have to shell out hundreds of dollars for a new one.

Does phone insurance cover cracked screens?

One of the most common damages that can happen to a phone is a cracked screen. It’s frustrating and often costly to repair or replace. So, does phone insurance cover cracked screens? The answer is not straightforward.

Most phone insurance policies do provide coverage for physical damage, including cracked screens. However, it depends on the type of policy you have and the specific terms and conditions outlined in your contract.

Some policies may require an additional fee for screen protection or may only cover a portion of the cost of repair or replacement. It’s crucial to read through your policy carefully before assuming that any damage will be covered.

In addition, some insurers may have limitations on how many claims you can file within a certain period or what types of damage are covered under your plan.

To ensure maximum coverage for a cracked screen, consider purchasing comprehensive phone insurance with screen protection add-ons specifically designed for this type of damage. And if needed, don’t hesitate to reach out to your insurer about filing a claim and understanding what steps need to be taken next.

How to file a claim for a cracked screen

Filing a claim for a cracked screen can be stressful, but it doesn’t have to be. The first thing you should do is review your phone insurance policy to understand what’s covered and if there are any deductibles or fees.

Next, contact your insurance company as soon as possible to report the damage and start the claims process. They may require documentation of the crack through photos or an inspection at an authorized repair shop.

Once your claim has been approved, you’ll likely need to pay a deductible before the insurer covers the cost of repair or replacement. It’s important to note that some policies may only cover repairs rather than full replacements.

If you’re filing a claim for a cracked screen through your phone carrier’s insurance program, they may offer options such as sending in your device for repair or providing a replacement device.

Understanding how to file a claim for a cracked screen can help alleviate stress and ensure that you receive proper coverage under your phone insurance policy.


To sum it up, phone insurance can be a lifesaver when it comes to protecting your device. It covers various types of damages such as water damage, physical damage, theft and loss. However, whether or not a cracked screen is covered depends on the specific policy you have purchased.

Before purchasing phone insurance, make sure you read through the terms and conditions carefully and understand what is covered under your policy. If your phone does suffer from a cracked screen or any other type of damage that is covered by your insurance policy, be sure to file a claim as soon as possible.

Having phone insurance can provide peace of mind knowing that if something unexpected happens to your device, you’re financially protected. So take some time to research different policies on the market and find one that works best for you and your needs.