How Does Assurant Phone Insurance Work?

In today’s world, a mobile phone has become an essential part of our lives. We use it to communicate with friends and family, take photos, check social media updates, listen to music and so much more! However, with the constant usage comes the risk of damage or loss.

That’s where phone insurance comes in handy! One company that offers such protection is Assurant Phone Insurance. In this blog post, we will explore what Assurant Phone Insurance is all about and how it works to give you peace of mind in case of any unfortunate incidents that may happen to your beloved device.

What is Assurant Phone Insurance?

Assurant Phone Insurance is a protection plan for your mobile device that covers accidental damage, mechanical breakdowns, theft or loss. It’s an insurance policy offered by Assurant, a leading provider of specialty protection products and related services.

The company offers various types of phone insurance plans to cater to different needs and budget requirements. You can choose from options like basic coverage that protects against accidental damage only or comprehensive coverage that includes everything from theft to water damage.

Assurant Phone Insurance provides peace of mind knowing that if something happens to your device, you won’t have to pay the full cost for repairs or replacement out-of-pocket. With their fast claims process and 24/7 customer service support available online or over the phone, it’s easy to get help when you need it most.

Assurant Phone Insurance aims to provide affordable coverage while ensuring customers receive prompt assistance with any issues they may encounter during their ownership period.

How Does Assurant Phone Insurance Work?

Assurant Phone Insurance is a service that provides phone insurance to protect your device from accidental damage, theft or loss. The process of obtaining an insurance policy from Assurant is straightforward and hassle-free.

Once you purchase the insurance plan, you can register your phone with Assurant by providing some basic details about the device. This includes its make and model number, as well as its unique identification number.

In case something happens to your phone, such as it gets stolen or suffers accidental damage, all you need to do is file a claim with Assurant through their website or mobile app. You will be asked to provide some details about what happened to your phone and any supporting documentation like a police report if applicable.

Assuming the claim is approved, which typically takes a few days at most; then either repair service will be arranged for damaged phones or replacement devices sent out for lost/stolen ones based on the terms of coverage in place. You may also have the option of choosing whether you want a new or refurbished replacement device depending on availability.

Using Assurant Phone Insurance helps ensure peace of mind knowing that should anything happen to your beloved smartphone; there’s always someone available who can help fix it!

What Does Assurant Phone Insurance Cover?

Assurant Phone Insurance covers a range of damages and losses that your phone may incur during its lifetime. Whether it is accidental damage, theft or loss, you can rest assured knowing your device is protected with Assurant’s comprehensive coverage.

For example, if you accidentally drop your phone in the pool or on concrete and the screen cracks, Assurant will cover the cost of repairing or replacing it. This also includes water damage caused by unforeseen circumstances like a spilled drink.

Assurant Phone Insurance also covers theft and loss. If someone steals your phone or you lose it somewhere while out and about, Assurant will replace it for you at no additional cost beyond the deductible.

Furthermore, Assurant offers extended warranty protection for manufacturer defects beyond what is covered by standard warranties provided by manufacturers.

It’s important to note that not all types of damages are covered under this insurance plan. For instance, if there are pre-existing conditions before purchasing this insurance policy such as physical wear & tear from normal use then those would be excluded from coverage.

How Much Does Assurant Phone Insurance Cost?

One of the most important considerations when choosing a phone insurance plan is the cost. With Assurant Phone Insurance, pricing will depend on several factors including your device type and coverage needs.

Assurant offers two main types of coverage: Device Protection and Wireless Protection. The Device Protection plan covers accidental damage, theft, loss, and mechanical or electrical breakdowns for your phone. Meanwhile, the Wireless Protection plan also includes identity protection services in addition to device protection.

The cost of Assurant Phone Insurance will vary based on these coverage options as well as your specific device model. Typically, prices range from $8-$15 per month depending on which plan you choose.

It’s worth noting that there may be additional fees associated with filing a claim such as deductibles or shipping costs for replacement phones. However, having this insurance can save you hundreds or even thousands of dollars in repair or replacement costs down the line.

Ultimately, it’s up to each individual to weigh the benefits versus costs of investing in a phone insurance plan like Assurant Phone Insurance.

How to File a Claim with Assurant Phone Insurance

Filing a claim with Assurant Phone Insurance is a straightforward process that can be done online or over the phone. The first step is to gather all necessary information, including your policy number and details about the damage or loss of your device.

Once you have this information on hand, you can visit the Assurant website or call their customer service line to initiate the claims process. You will need to answer some questions about your device and provide evidence of any damage or loss through photos, videos, or other documentation.

Assurant may also require an independent technician to inspect your device before approving your claim. If approved, they will either repair or replace your device depending on the terms of your policy.

It’s important to note that there may be deductibles associated with filing a claim with Assurant Phone Insurance. These deductibles vary based on the type of plan you have and could range from $50-$249 per incident.

Filing a claim with Assurant Phone Insurance is a relatively simple process as long as you have all necessary information readily available.


Assurant phone insurance provides a valuable protection plan for those who rely on their mobile devices every day. With this coverage, you can have peace of mind knowing that if something happens to your phone, you won’t be left with the full cost of repairs or replacement.

By understanding how Assurant phone insurance works and what it covers, you can make an informed decision about whether this coverage is right for you. And if you do choose to purchase this insurance, remember to keep all important information handy in case you need to file a claim.

We highly recommend considering Assurant phone insurance as a way to protect one of your most important possessions – your smartphone.