The 8 Best Cell Phone Insurance Providers of 2019

Accidents happen — give your devices an extra layer of protection

Our editors independently research, test, and recommend the best products; you can learn more about our review process here. We may receive commissions on purchases made from our chosen links.

Our Top Picks

Best for Multiple Devices: Verizon Total Mobile Protection at verizonwireless.com

"Allows you to insure up to 10 lines at one time."

Best Budget: Square Trade at squaretrade.com

"You pay for coverage, not per device, so you don't have to update your plan every time you get a new phone."

Best Coverage: Staymobile Protect Plan at staymobile.com

"Your issues will get addressed quickly, as the site offers 24-7 claim support."

Best for Families: AT&T at att.com

"Offers great coverage options at an affordable price."

Best for Samsung Devices: Samsung Premium Care at Samsung

"All repairs are serviced with original Samsung parts by licensed technicians."

Best for Apple Devices: AppleCare+ at apple.com

"Any new iPhone comes standard with one year of warranty, but you can extend it for up to two years by purchasing Apple Care."

Best for Repairs: Sprint at sprint.com

"You can get same-day service if you come to one of more than 450 Sprint stores for the repairs."

Best for Long-Term Coverage: Geek Squad at Best Buy

"Offers protection for your devices for up to five years."

Our Top Picks

Best for Multiple Devices: Verizon Total Mobile Protection

Verizon Total Mobile Protection

Courtesy of Verizon

If you have several devices that need to be protected, you want a plan that will cover them all without any hassle. Fortunately, Verizon's Total Mobile Protection plan allows you to insure up to 10 lines at one time. It costs $13 per month to cover a smartphone or smartwatch, and it requires a deductible. You'll be covered for lost or stolen phones, water damage, and even defects that are found past your warranty (this does not apply to Florida residents because coverage is provided through Asurion's insurance program for those residents). It also offers an expanded cracked-screen repair when parts are available.

As an added perk, Verizon offers next-day delivery when possible so you will not be without a phone for long. If you want a more specific plan, Verizon will work with you to customize something that will fit your budget and your needs.

Best Budget: Square Trade

Square Trade

Courtesy of Square Trade

You know your car is in good hands with Allstate, but did you know your phone can be, too? Square Trade is a subsidiary of this popular insurance company and offers affordable and comprehensive coverage for all of your devices. It's also much more affordable than other options on the market — the maximum monthly premium is under $9. Deductibles are also lower than average at just $25-149 per claim. One of the best perks of this plan is that you pay for coverage, not per device, which means you don't need to go through the hassle of updating your plan every time you get a new phone. Your coverage will be continuous even if you switch providers, which is convenient for busy professionals or families. You can also cancel at any time, making this an affordable and flexible option.

Best Coverage: Staymobile Protect Plan

Staymobile Protect Plan

Courtesy of Staymobile

The Staymobile Protect Plan offers comprehensive coverage for so many different things. Have a defective pixel? A minor annoyance, but a persistent one nonetheless — thankfully, it's covered under this plan. Did your phone overheat, get dust inside, or get damaged by humidity? That's covered, too, as are damaged buttons, cracked screens, or broken headphone jacks. Minor issues will get resolved quickly, and you can easily order replacement phones through the mail or at any Staymobile location. Your issues will get addressed quickly, as the site offers 24-7 claim support. Special plans are also available for enterprise customers, so this plan is great for companies looking for affordable device insurance.

Best for Families: AT&T

AT&T

Courtesy of AT&T

If you have young children with cell phones, you can almost guarantee that one of them will damage or lose their phone at some point — that's just what kids do! Thankfully, AT&T offers great coverage options at an affordable price. For $8.99 a month you can get coverage on one device that insures against loss, theft, and out-of-warranty malfunctions. It also covers same-day screen repair depending on your device, which can be a lifesaver when you accidentally drop your phone. For $11.99 a month, you can get the same coverage with additional perks like 24/7 tech support, 50GB of photo storage, and identity protection. For $34.99 per month, you can get the signature plan that covers three devices, insures against loss and theft and includes 300GB of photo and video storage. (If you have non-AT&T laptops or tablets, you can also get them insured under this plan.)

It is possible to get same-day repairs for most issues, or next-day repair or replacement for others. You also get identity protection as an additional feature. AT&T also has reliable customer service — the tech team can assist you anytime if you need help troubleshooting a problem or an issue.

Best for Samsung Devices: Samsung Premium Care

Samsung Premium Care

Courtesy of Samsung

If you have one of the latest and greatest Android phones, you can probably get it covered with a Samsung Premium Care plan for just $12 per month with a deductible of $99 per repair. All repairs are serviced with original Samsung parts by licensed technicians, so your phone is guaranteed to work like new. You will need to sign up at the time of purchase if you have a Galaxy S9, but any other phone can be covered at any time. You can get Samsung Premium care by purchasing it through the Samsung+ app. (Note that you will need to provide photo evidence that your phone is in good working condition.) If you damage your phone often, you will appreciate the fact that you can get up to three replacements per insured device per year. However, if you think you will lose your phone or have it stolen, this is not the plan for you, as those two scenarios are not covered.

Best for Apple Devices: AppleCare+

AppleCare+

Courtesy of Apple

If you have an iPhone or other Apple product, you are probably familiar with Apple Care. Any new iPhone comes standard with one year of warranty and three months of tech support, but you can extend this warranty for up to two years by purchasing Apple Care. It will cost you $100 or more plus a deductible, but it's worth it if you are particularly accident-prone.

Apple Care covers up to two damage claims, but you are on the hook for loss or theft. Those issues are covered separately, and it’s a little risky: you will need to have Find My Phone enabled at the time your device is lost or stolen, or your loss won’t be covered. For repairs, Apple Care requires that you head to an authorized retailer or Apple store or mail in your phone.

Best for Repairs: Sprint

Sprint

Courtesy of Sprint

One of the best perks of Sprint’s insurance plan Sprint Complete is that it offers heavily-discounted repairs: A cracked screen will set you back just $30, and you can get same-day service if you come to one of more than 450 Sprint stores for the repairs. If you have only a simple issue, you can generally troubleshoot it yourself using Sprint’s self-service portal. And if your device is lost or stolen, you will also be able to get a replacement the next day and report the theft on Sprint's website to expedite your service. Unfortunately, deductibles can be pretty high for anything that goes beyond minor damage: Amounts range from $50 to nearly $300. Any replacement phone will be covered for 12 months under a limited warranty.

Best for Long-Term Coverage: Geek Squad

Geek Squad

Courtesy of Best Buy

Best Buy’s Geek Squad offers protection for your devices for up to five years for just $7.99 a month, or $10.99 per month if you would like to be covered for loss and theft. This insures you against devices malfunctions as well as some human errors, like dropping your device or spilling coffee all over it. Any accessory that came with your original phone purchase is covered too. Geek Squad also offers battery replacements if yours stops holding its charge, although that's limited to one replacement for nondisposable batteries.

Another great perk is that you can purchase the Geek Squad protection plan for another person or transfer your ownership of it to someone else. If you need service, you can call during daytime business hours and send in your device to have it repaired.

Our Process 

Our writers spent 7 hours researching the most popular cell phone insurance on the market. Before making their final recommendations, they considered 12 different insurance providers overall, read over 50 user reviews (both positive and negative), and tested 1 of the providers themselves. All of this research adds up to recommendations you can trust.