Develop Bugs

Total Equipment Protection

I have this on my phone plan. Do you think it's worth it to keep it? Also I've rooted my phone, will this matter?

It's a $500 phone, insurance will cost you $84/year your choice, I'm keeping it though.
Sent from my HTC EVO 4G.

Jeffaray said:
I have this on my phone plan. Do you think it's worth it to keep it? Also I've rooted my phone, will this matter?
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Click to collapse
Depends entirely on if you will end up utilizing it. Genetally speaking it's a rip off. Do you know what the deductable is? It's a lot. For the average chance, burning cash.
Sent from my PC36100 using XDA App

I do not know the deductible. The insurance just carried over from my previous phone. If I ever break it and have to use the insurance to replace it, do you think it will matter that I rooted it? Because if it does, then obviously I'll cancel it
Sent from my EVOot using XDA App

If you break the phone and its replaced by the insurance company its $100. I don't think it really matters if its rooted or not if you get it replaced by the insurance. If you go to the sprint store for them to fix i think it would matter if its rooted.
Sent from my HTC Evo 4g using Tapatalk

Lemme put it to you like this:
New EVO: $500
Insurance (deposit and all that): $7 per month ($87 annually)
Insurance deductible: $100
So if you brick your phone, it's lost/stolen, smashed, what have you, after 12 months, it will cost you $187 to replace it. That's $313 less than retail.
Even if you replace your phone after two years, (and let's say the cost of the EVO drops from $500 to $400, and you don't want to renew your contract and thus get a new phone quite yet), it will still cost less ($274, therefore $126 less than retail).
And yes, you can get your phone replaced if you brick it. How? Just go to Sprint, tell them that you lost your phone or that it was stolen. Congrats, you now have a spare battery, charger, and Micro SD card!
Seriously, it's a good deal as far as I'm concerned, just talking numbers.

drmacinyasha said:
Lemme put it to you like this:
New EVO: $500
Insurance (deposit and all that): $7 per month ($87 annually)
Insurance deductible: $100
So if you brick your phone, it's lost/stolen, smashed, what have you, after 12 months, it will cost you $187 to replace it. That's $313 less than retail.
Even if you replace your phone after two years, (and let's say the cost of the EVO drops from $500 to $400, and you don't want to renew your contract and thus get a new phone quite yet), it will still cost less ($274, therefore $126 less than retail).
And yes, you can get your phone replaced if you brick it. How? Just go to Sprint, tell them that you lost your phone or that it was stolen. Congrats, you now have a spare battery, charger, and Micro SD card!
Seriously, it's a good deal as far as I'm concerned, just talking numbers.
Click to expand...
Click to collapse
If you want to talk numbers, you must consider the odds of breaking the phone. Its not guaranteed that you will break the phone. If you have say 4 phones(family plan) and they all have insurance. Then Your family end up breaking one of the phones in this 2 year period. Total cost? 4 phones x 24 months x $7 tep charge + $100 deduct = $772. Cost of retail? $499 or so. In this scenario, insurance isn't worth it. If however, 2 of the 4 phones break, the cost is then $872...getting closer to that mark...
Sent from my PC36100 using XDA App

Thanks for all the quick responses. You all have been a lot of help.

Jeffaray said:
Thanks for all the quick responses. You all have been a lot of help.
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Click to collapse
It boils down to Sprint being able to take advantage of the aggregate combined with a general misunderstanding of statistics. For a given year, the question boils down to "do yoy have a greater than 25% chance of breaking your phone."
Sent from my PC36100 using XDA App

someone mentioned that they got their EVO added to their renters insurance.

Helped Out My Son
Well, my son dropped his EVO two weeks after getting it. The screen shattered and it was replaced for the $100 deductible. So, with three EVOs on our plan we just need another break/loss in the next couple of years to be in the money.
If I was a betting man, I would bet that my Offensive Lineman will sometime break his pone in the next two years, so for us it is helpful. It all depends (as stated earlier) on the statistics. Insurance is all about shared risk ... thanks for sharing his risk if you participate

I'm going to make this a story problem for my math students this Fall.

SilverZero said:
I'm going to make this a story problem for my math students this Fall.
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Haha, I like that.
I myself like having Sprint's insurance for the sole fact of if I ever do really damage my phone or drop it in water, etc. I can get a new one for the 100, and who doesn't like a bright new shiny phone. ... And lets say i just damage everything but the screen, i would remove my old scree to have as a backup. Or maybe even sell.

Don't forget they may give you a refurbished phone.
Sent from my PC36100 using XDA App

Also account for 'being able to sleep at night'. If having insurance makes you sleep easier at night, then go for it.

vbyt said:
If you want to talk numbers, you must consider the odds of breaking the phone. Its not guaranteed that you will break the phone. If you have say 4 phones(family plan) and they all have insurance. Then Your family end up breaking one of the phones in this 2 year period. Total cost? 4 phones x 24 months x $7 tep charge + $100 deduct = $772. Cost of retail? $499 or so. In this scenario, insurance isn't worth it. If however, 2 of the 4 phones break, the cost is then $872...getting closer to that mark...
Sent from my PC36100 using XDA App
Click to expand...
Click to collapse
For me, I'm the only person on my plan, and I work Facilities and Maintenance, meaning I'm constantly running around inside, around, and on top of a building, around heavy machinery, crawling through a plenum, and so on. The chance of me breaking or dropping my phone? Pretty high. And considering that it's not the best-paying job around, having insurance just seemed like the smartest move.

drmacinyasha said:
For me, I'm the only person on my plan, and I work Facilities and Maintenance, meaning I'm constantly running around inside, around, and on top of a building, around heavy machinery, crawling through a plenum, and so on. The chance of me breaking or dropping my phone? Pretty high. And considering that it's not the best-paying job around, having insurance just seemed like the smartest move.
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Click to collapse
agreed, probably a good play on your part considering your situation, but you cannot say it is a good deal to someone else just because it is good for you. Everyone has to assess their own situation.

novanosis85 said:
Don't forget they may give you a refurbished phone.
Sent from my PC36100 using XDA App
Click to expand...
Click to collapse
Pretty much guaranteed to get a refurb. Although those do tend to be just as good.
Sent from my PC36100 using XDA App

ok so if we say we "lost" our phone and get a new one for $100 from insurance, will the "lost" one still be a functional phone to connect to wifi n stuff or do they remote auto kill it? If they do auto kill, is there anyway to prevent them from doing so?

ReallyShawn said:
Well, my son dropped his EVO two weeks after getting it. The screen shattered and it was replaced for the $100 deductible. So, with three EVOs on our plan we just need another break/loss in the next couple of years to be in the money.
If I was a betting man, I would bet that my Offensive Lineman will sometime break his pone in the next two years, so for us it is helpful. It all depends (as stated earlier) on the statistics. Insurance is all about shared risk ... thanks for sharing his risk if you participate
Click to expand...
Click to collapse
You'll have lost money.
In your case:
7x3x24+200 = 704
This would appear to put you ahead, untill you realize that a refurb will be costing sub 300 in a year. Depreciation is a *****.
Sent from my PC36100 using XDA App

[TIP] Best Buy Protection plan on an AT&T store bought phone

If you purchase the GNII at an AT&T store (or from anywhere really) like I did last Friday, you can hold off on the less appealing AT&T Mobile Insurance and pick up the Best Buy Protection Plan. I've done this before with the Captivate and my girlfriend was even allowed to purchase the protection when she brought in her Sensation 4G with a cracked screen then come back in a week to replace it. My experience today started off by being told no by a general store manager when he overheard me asking but was later told it would be allowed by the specific mobile dept manager. Not all stores may be so lenient so you may have to try a couple times and be super nice. There must be a fairly hefty incentive for employees signing up protection plans.
Basic Diference in plans
AT&T Mobile Insurance: $10/month plus $200 at time of replacement
BB Protection Plan: $10/month and NO deductible upon replacement
There are a few more smaller difference but they generally favor the BB plan. Normally I would buy from BB in the first place but they are apparently having a delayed launch. The location I went to today still didn't know when they were being allowed to start selling. This may be something most XDA users know about but with all the insurance posts lately I thought I'd share incase it helps someone pull the trigger on the NII.

I purchased my Note 2 outright for $650 at a Best Buy mobile, and got the 2 year accidental damage replacement plan. Bought the plan outright as well being that it is much cheaper than paying $10/month. (Doesn't hurt that they gave me a discount for buying it all at once either).
Over all their plan is better than what AT&T offers, especially having no deductible and no limit to replacements. But it does NOT cover loss or theft. For that duty I am using Cerberus, and I am 100% pleased with bolth the phone and Replacement plan.
My wife is happy too because she got my GS3
Sent from my SAMSUNG-SGH-I317 using Tapatalk 2

This sounds like a great idea. Thnx guys
Sent from my SAMSUNG-SGH-I317 using xda premium

Thanks for the tip!
Sent from my SAMSUNG-SGH-I317 using Tapatalk 2

probably should have took this into consideration. my power button broke on my note 2 in 3 days. i cant cut it on. luckily i took it back to at&t and they are going to switch it out for free. I just have to wait until another one comes into stock.

Both companies utilize samsungs warrenty before yours unless it requires damage. Also I pay 7.99 with att and hope never to have physical damage.
Sent from my SAMSUNG-SGH-I317 using xda premium

erm87 said:
If you purchase the GNII at an AT&T store (or from anywhere really) like I did last Friday, you can hold off on the less appealing AT&T Mobile Insurance and pick up the Best Buy Protection Plan. I've done this before with the Captivate and my girlfriend was even allowed to purchase the protection when she brought in her Sensation 4G with a cracked screen then come back in a week to replace it. My experience today started off by being told no by a general store manager when he overheard me asking but was later told it would be allowed by the specific mobile dept manager. Not all stores may be so lenient so you may have to try a couple times and be super nice. There must be a fairly hefty incentive for employees signing up protection plans.
Basic Diference in plans
AT&T Mobile Insurance: $10/month plus $200 at time of replacement
BB Protection Plan: $10/month and NO deductible upon replacement
There are a few more smaller difference but they generally favor the BB plan. Normally I would buy from BB in the first place but they are apparently having a delayed launch. The location I went to today still didn't know when they were being allowed to start selling. This may be something most XDA users know about but with all the insurance posts lately I thought I'd share incase it helps someones pull the trigger on the NII.
Click to expand...
Click to collapse
This is true. You should be able to do this. A manager will not turn this plan down because it is almost pure profit. This is applicable to almost any product. You must make sure it is a product carried by Best Buy. Usually you have 2 weeks from you date of purchase. Note: they will leverage the Samsung 1 year warranty. If you purchase the accidental plan they will cover the damage out right. Also don't forget Square Trade.

So people will unfortunately lose their jobs at best buy for this. Best Buy only offers the geek squad protection on iphones not purchased at best buy. Not other phones. If a manager is allowing this, it is strictly to boost their numbers on a scorecard, meanwhile losing it all and more on the back side of the business.
Sent from my HTC One X using xda premium

It's a tough decision for me to buy insurance since it ends up being the cost of another device on contract. Now that Nexus phones are $300, I don't think I'll get insurance on my note. I extended my apple care on my iphone 4 and never broke it. Never damaged my 4S either, and both were used case-less.
However if I decided to get insurance, the best buy route seems like the best one.

Got it. $169 for two years, seemed like the only logical way to go considering that $9.99 a month costs an extra $80.
I feel dumb as hell asking this now and assuming it in store, but does this plan cover accidental damage? Assumed it did, but I'm now seeing documentation that it doesn't. Not a deal-breaker either way, as the normal wear-and-tear and pixel damage/burn-in protection made the purchase more than worthwhile.
Edit to add: Very little was made of the fact that it wasn't purchased at Best Buy. When I walked up to the mobile counter, the sales rep and department manager were there, along with the store GM. I asked about covering the phone, and the only question was asked by the store GM: "You bought it directly from AT&T, right? Not Amazon or eBay or anyplace like that?". I answered yes, and they got to work on it. No asking for a receipt or anything, just cranked out the sales plan.

That's awesome. Best buy is the way to go!
Sent from my SAMSUNG-SGH-I317 using xda premium
---------- Post added at 03:20 PM ---------- Previous post was at 03:17 PM ----------
cpcrazyfly said:
So people will unfortunately lose their jobs at best buy for this. Best Buy only offers the geek squad protection on iphones not purchased at best buy. Not other phones. If a manager is allowing this, it is strictly to boost their numbers on a scorecard, meanwhile losing it all and more on the back side of the business.
Sent from my HTC One X using xda premium
Click to expand...
Click to collapse
True.
Sent from my SAMSUNG-SGH-I317 using xda premium

Well good for you guys, but if you get denied somehow when you break your phone... I wouldn't be surprised
Sent from my SAMSUNG-SGH-I317 using xda premium

cpcrazyfly said:
Well good for you guys, but if you get denied somehow when you break your phone... I wouldn't be surprised
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Click to collapse
Good luck with that. I've got a receipt and documentation that says the coverage was purchased. Not sure they could successfully deny covered repairs.

T.J. Bender said:
Good luck with that. I've got a receipt and documentation that says the coverage was purchased. Not sure they could successfully deny covered repairs.
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Click to collapse
They are "supposed" to only sell the Geek Squad Protection with phones that are purchased directly from Best Buy. But if they let you do it, then just keep your documentation and you should be set. :good:
Its covers normal wear & tear, moisture damage, charging failures, battery replacement, and screen breaks. Does NOT cover full submersion in liquid, or crazy negligent damage like being run over by a car, or thrown against a wall. Nor does it cover contact with bodily fluids.... eww.
Basically if you drop your phone, break your screen, anything that can normally happen like that, you should be covered just fine. Anything more exotic, and it will be up to the discretion of the associate that is processing your repair.

Well, I don't plan on going snorkeling with my phone (although I did spend half an hour in a pool once before I realized that my old Verizon flip phone was in my pocket), nor do I intend to play racquetball with it, you know, as the ball. I'm also leaning decidedly against running over it with a vehicle, or trying to use it as a frisbee. Yep, should be set. :good:

T.J. Bender said:
Got it. $169 for two years, seemed like the only logical way to go considering that $9.99 a month costs an extra $80.
Click to expand...
Click to collapse
but can you cancel the prepaid 2 years?
i have no plan to keep my phone for 2 years, i have 3 lines. if something better comes alone, i will sell the Note2. i paying 9.99$ a month.

Thanks for the tip, I purchased my SGSII from Best Buy last year outright, but didn't even think to purchase this. Bricked my SGSII earlier this year, ATT gave me a new one, said I was still under the one year warranty, lol.

ohh great!!! i was about to return my phone to att and purchase it from bestbuy after i got my refund, so do you have to show proof of purchase from att or something?? but i got it from online via att

Mr_Armageddon said:
I purchased my Note 2 outright for $650 at a Best Buy mobile, and got the 2 year accidental damage replacement plan. Bought the plan outright as well being that it is much cheaper than paying $10/month. (Doesn't hurt that they gave me a discount for buying it all at once either).
Over all their plan is better than what AT&T offers, especially having no deductible and no limit to replacements. But it does NOT cover loss or theft. For that duty I am using Cerberus, and I am 100% pleased with bolth the phone and Replacement plan.
My wife is happy too because she got my GS3
Sent from my SAMSUNG-SGH-I317 using Tapatalk 2
Click to expand...
Click to collapse
What is Cerberus?

Best buy protection plan doesn't cover water damage if the phone was totally submerged the AT&T plan covers that and the loss and theft of the phone I thought about the best buy plan but if you look at the details of it it's really not worth it for what it covers
You can read all the horror stories online if you google it

[Q] Which insurance do you use?

I've been with T-Mobile insurance, Asurion since the G1. I'm planning on getting the Nexus 4 (THIS IS NOT A NEXUS 4 THREAD DO NOT TURN IT INTO ONE!!!!) should I drop the T-Mobile insurance and go with a different company... Options I have looked up are SquareTrade & Ensquared. If you know of another company I'm all ears. Thanks.

Ive heard that you can even insure it through some companies like state farm or whatever. Dont quote me on it, someone told me that a while back but I never looked into it. If they do id imagine its an addon type thing....
Sent from my SGH-T999 using xda app-developers app

Squaretrade, ensured, T-Mobile, geek squad. Visa, etc.
Sent from my SGH-T999 using xda premium

Will T-Mobile/Asurion still ensure my phone if its a nexus device that I do not purchase through T-Mobile?

mt3g said:
Will T-Mobile/Asurion still ensure my phone if its a nexus device that I do not purchase through T-Mobile?
Click to expand...
Click to collapse
Dont rely only on me, but I am pretty sure they will, so long as you are on a monthly plan, not prepaid. Verify that though!
I have heard a few times that using Asurion is a bit more expensive than other options, just fyi. It is convenient though.

Ya I'm going to ask a dude I know that works for them tomorrow. It is cheaper with the other companies with a cheaper deductible it seems, well I'll see what he says and go from there.
Sent from my SGH-T999 using xda premium

mt3g said:
Will T-Mobile/Asurion still ensure my phone if its a nexus device that I do not purchase through T-Mobile?
Click to expand...
Click to collapse
Yeah but I do believe it has to be a Tmobile device. I called a while ago because I had insurance but the S3 wasn't purchased on my account. They assured me as long as it's a tmobile device you'll be covered.
Sent from my SGH-T999 using Tapatalk 2

mt3g said:
I've been with T-Mobile insurance, Asurion since the G1. I'm planning on getting the Nexus 4 (THIS IS NOT A NEXUS 4 THREAD DO NOT TURN IT INTO ONE!!!!) should I drop the T-Mobile insurance and go with a different company... Options I have looked up are SquareTrade & Ensquared. If you know of another company I'm all ears. Thanks.
Click to expand...
Click to collapse
I use "I take extreme care for my devices and know how to fix them should something happen to them insurance" for all insurance companies rip you off. I'll tell you my story with my HTC touch pro 2 that I had gotten replaced via insurance.....
(Short version)
Phone flew down steps landed on concrete floor. Turned into confetti.
Called asurion. 100 bucks for deductible. After paying over 200 in monthly bills.(could have bought a brand new one from eBay for 150 at the time, didn't realize this till after I replaced it)
Got replacement, didn't work. Got second replacement. Still didn't work. Got third replacement(was extremely pissed by now) and ripped apart both 2nd replacement and 3rd and combined all the good parts to make a good phone.
And ever since then, I will never waste my money on insurance for my phone. It's nothing but a waste of money.
Sent from my SGH-T999 using Tapatalk 2

Ya I understand all that lol. But I go out and camp, fish, go boating, drink, and house parties and what not (immature 23 year old) so I've used my insurance a few times; once with my G1 (stolen) twice with my MyTouch 3G (stolen, and then dropped which caused a weird ear piece sound while on call). So I like insurance and haven't been screwed over. Never had any issues with my G2X or the S3 so I've grown up a little and love my phones more now, haha.

I was going to ask the same thing but given that you asked it already, I'd like to see other responses. So far I've only had SquareTrade Warranty on multiple devices. I still haven't had to file a claim but the thing that I like is if I sell one of my devices, I can cancel my plan and get a prorated refund. I'm not sure if other companies do that.
I recently got my Samsung Galaxy S3 and haven't made a decision on what company to choose. Ensquared is cheaper and they claim to cover theft and accidental, all for $59 for 1 year. If anybody has dealt with them, can you please give us some insight?

Has anyone shattere their screen yet?

Or am I the first? FML... Any suggestions?

You didn't get insurance?

windctyaudi said:
You didn't get insurance?
Click to expand...
Click to collapse
I never buy insurance since most of my credit cards already double manufacture warranty/purchase protection. Apparently the one I used does not. I bought the phone off contract and a local repair shop will charge me $350... Am I officially the world's biggest idiot?

I would buy one off craigslist and sell your broken on ebay to offset the cost. I'm sure you could get upwards of $100 for it. Sell the S pen separately to potentially make a few more bucks. Or I would buy a Nexus 4.

damn dude sorry about that just pay to get the screen fixed.... it shouldnt be that much.. i live in florida and there are a few places that fix them for comparable prices.. then get insurance brother..

davidowens1990 said:
Or am I the first? FML... Any suggestions?
Click to expand...
Click to collapse
You just broke the glass, aka the "digitizer" -?-
Good News if the AMOLED is intact:
http://www.aliexpress.com/item/orig...-N7100-GT-N7100-Digitizer-free/674248669.html
However, you will also need:
A Heat Gun, or an extra hot hair dryer--
And some special adhesive.
3M makes a special-strong type of two-sided adhesive that you could cut with an exacto knife.
It isn't as hard as you think, it just takes patience and very strong desire to save yourself $300.
And more patience.
Worst case scenario, you'll botch the LCD behind it, but---
You can get the replacement assembly of the LCD/digitizer for $315-

mysticfrog said:
damn dude sorry about that just pay to get the screen fixed.... it shouldnt be that much.. i live in florida and there are a few places that fix them for comparable prices.. then get insurance brother..
Click to expand...
Click to collapse
The reason it's so expensive is that you need to replace the LCD, Digtizer, and the glass since they are all glued together. I may just suck it up and live with a cracked screen since it still functions. I'm assuming it would be too late to buy insurance now right?

Have you priced it from Samsung yet? I thought it was in the upper 200s from Samsung.

DeoreDX said:
Have you priced it from Samsung yet? I thought it was in the upper 200s from Samsung.
Click to expand...
Click to collapse
It was actually quoted for $170 through Samsung. Do you think I need to unroot the phone, or is that totally irrelevant?

davidowens1990 said:
The reason it's so expensive is that you need to replace the LCD, Digtizer, and the glass since they are all glued together. I may just suck it up and live with a cracked screen since it still functions. I'm assuming it would be too late to buy insurance now right?
Click to expand...
Click to collapse
No do it now. Couple weeks submit the claim
Sent from my SGH-T889 using xda premium

yep, get insurnace and in about a month, say screen is broken, only $130

RE: Insurance fraud
So glad to see that the criminal element is alive and well on XDA.

Does your credit card have a 90 day retail purchase protection (ie. protection against theft, accidental damage and loss)? Mines does, so you might want to check that out too. In any case, good luck and sorry to hear

kdkinc said:
So glad to see that the criminal element is alive and well on XDA.
Click to expand...
Click to collapse
hehehe >:
------------------------------------
Galaxy S3,The Best Big Thing

kdkinc said:
So glad to see that the criminal element is alive and well on XDA.
Click to expand...
Click to collapse
Roflmao this guy is 2much
Sent from my SGH-T889 using xda app-developers app

kdkinc said:
So glad to see that the criminal element is alive and well on XDA.
Click to expand...
Click to collapse
Warning - Just my personal opinion. After all I am human.
I got to say that the real criminals are the insurance people. $200 to cancel the contract and for some of us would be the rest of the cost of the device. $130 for replacement is only $70 off of that $200 cancellation fee and for some of us is the rest of the cost of the device. And we pay $7.99 a month for 24 months just to do that? $7.99 X 24 months = $191.76. $191.76 + $130 = $321.76. Now who is the criminal?
Now after saying that I do have insurance. That is despite how I feel about the insurance I love this Galaxy Note 2 enough to spend the extra money. The $300 mail-in rebate almost pays for the insurance and a replacement.
But otherwise it is worth canceling the contract and waiting out for another month to start again.

Im sorry that happened to you. I threw my nexus a couple months ago because I have uncontrollable rage and just lose it. I felt bad afterwards so I know how you feel. But I just went out and bought a new s3 so it was worth it in the end. It was so cool to see that 400 dollar phone just blow up in a million pieces when it hit that ladies car....priceless
Sent from my SGH-T889 using Tapatalk 2

you could do the insurance thing and just wait. as far as sending to samsung, I would probably unroot, you can just odin to stock and then restore your apps later with whatever rom. Not sure why people make a big deal about this, really the same procedure when switching roms and people do that all the time.

Buy insurance now, wait 2 weeks and then ship it back for a replacement, no biggie. People want to judge you, f-them.

Stamatos said:
Buy insurance now, wait 2 weeks and then ship it back for a replacement, no biggie. People want to judge you, f-them.
Click to expand...
Click to collapse
I agree,100%

T-Mobile Mobile Security

I just realized that because I have Insurance on my phone it gives me the ability to locate, lock, sound an alarm and wipe (even thought it only wipes contacts which is pointless) my phone remotely. I tested it out and its pretty cool, the alarm works even if the phone is on silence and the lock stays on even after reboot even though if the person is smart they can just boot into recovery and wipe the phone but most thieves are not that smart. The location feature was also able to pin point my phone at my house on a map. Just figured I'd let anyone else know who has insurance on their phone that might not know about this app.
http://www.t-mobile.com/shop/addons...otection&tp=Svc_Sub_EqpmntProtnMobileSecurity
https://play.google.com/store/apps/...uLmFuZHJvaWQubW9iaWxlcmVjb3ZlcnkudG1vYmlsZSJd

I think you can get a slightly cheaper insurance package and use something like lookout mobile security to cover the lost phone scenarios. Just a thought. I don't know how much your plan is and all that but for me insurance is like 6 bucks for loss or damage and the extra security features are like 3 dollars more or something.
Swiftly sent from my Galaxy Note 2 via XDA premium

Well I was paying 7.99 for PHP bundle which includes loss, theft, damage, and mobile security. I guess tmo is increasing the cost of the note 2 PHP to 11.99 but my big thing that I like is having the warranty because no matter how long to have the phone you can send it back and get a new one for $5. I think paying 11.99 is still worth knowing I wont have to pay 600+ for a phone if i break mine or it gets stolen. The Mobile Security is just a plus.

Joe333x said:
Well I was paying 7.99 for PHP bundle which includes loss, theft, damage, and mobile security. I guess tmo is increasing the cost of the note 2 PHP to 11.99 but my big thing that I like is having the warranty because no matter how long to have the phone you can send it back and get a new one for $5. I think paying 11.99 is still worth knowing I wont have to pay 600+ for a phone if i break mine or it gets stolen. The Mobile Security is just a plus.
Click to expand...
Click to collapse
The only bad part is the 130 dollar deductible lol. That will go down the longer you have the phone though.
I went through that like 2 weeks after I got mine. Dropped it and broke the screen. Ended up getting a brand new one in the box the next day. Can't complain about that.
Swiftly sent from my Galaxy Note 2 via XDA premium

kushXmaster said:
The only bad part is the 130 dollar deductible lol. That will go down the longer you have the phone though.
I went through that like 2 weeks after I got mine. Dropped it and broke the screen. Ended up getting a brand new one in the box the next day. Can't complain about that.
Swiftly sent from my Galaxy Note 2 via XDA premium
Click to expand...
Click to collapse
Yeah 130 is better than 600. I remember when insurance was like 3.99 and the replacment phone was free. Too many people took advantage of it and thats why the rate keeps going up along with the deductible.

Joe333x said:
Yeah 130 is better than 600. I remember when insurance was like 3.99 and the replacment phone was free. Too many people took advantage of it and thats why the rate keeps going up along with the deductible.
Click to expand...
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It is not unlimited, there is a set amount of claims you can make per year.

12 dollar pee month times 12 144 dollars person year times 2 is 288 dollars over the lifetime of a two year contract. Pretty pricey. And isn't there a deductible. 288 plus 130 is 418.
Dang that's a lot of money. Plus I never end up keeping the phone for that long anyways. That 418 dollars would have been applied to the note 3.
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janjannsen99 said:
12 dollar pee month times 12 144 dollars person year times 2 is 288 dollars over the lifetime of a two year contract. Pretty pricey. And isn't there a deductible. 288 plus 130 is 418.
Dang that's a lot of money. Plus I never end up keeping the phone for that long anyways. That 418 dollars would have been applied to the note 3.
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its a lot if you never make a claim...but if you do, it more than pays for itself in 1 time
for everyone else (like myself)...its paying for peace of mind

True but since the note 2 came out iv lost 2......lol bricked 1 and for some reason they only charged me for the lost 1 not the malfunctioning 1 moral to the story is if you lose or break it 130 off top bot if you hard brick or drop in water you're warranty will save you if you play it right and that will save you 130 dollars dont use insurance unless lost check th warranty first b4 you pay 130
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zeitgeist77 said:
True but since the note 2 came out iv lost 2......lol bricked 1 and for some reason they only charged me for the lost 1 not the malfunctioning 1 moral to the story is if you lose or break it 130 off top bot if you hard brick or drop in water you're warranty will save you if you play it right and that will save you 130 dollars dont use insurance unless lost check th warranty first b4 you pay 130
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When I had my vibrant I got about 7 replacement's (no $h!t) and I only paid the deductible once (broken screen). I know at least b4 that you would only pay if 1. You lose the phone 2. You break the screen 3. Water damage
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It's $170 deductible not $130
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xedualMCx said:
It's $170 deductible not $130
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Pretty sure I just got mine replaced a month ago. It's $130 through tmob and asurion.
Who is yours through? $170 is kinda ridiculous.
I stand corrected. Just got a letter saying they were gonna bump up the rates. $12 a month plus $175 deductible. So that's $463 for 2 years. I think I'm gonna go ahead and cancel my insurance.
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Joe333x said:
I just realized that because I have Insurance on my phone it gives me the ability to locate, lock, sound an alarm and wipe (even thought it only wipes contacts which is pointless) my phone remotely. I tested it out and its pretty cool, the alarm works even if the phone is on silence and the lock stays on even after reboot even though if the person is smart they can just boot into recovery and wipe the phone but most thieves are not that smart. The location feature was also able to pin point my phone at my house on a map. Just figured I'd let anyone else know who has insurance on their phone that might not know about this app.
http://www.t-mobile.com/shop/addons...otection&tp=Svc_Sub_EqpmntProtnMobileSecurity
https://play.google.com/store/apps/...uLmFuZHJvaWQubW9iaWxlcmVjb3ZlcnkudG1vYmlsZSJd
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There definitely are more power security apps out there, but knowing that there is already the groundwork there straight outta the box is pretty nice (still requires some form of setup which means users are only saved time for however long it takes to install an app... not sure why though as its not like they dont have all that info upon signup) but ultimately knowing its through the carrier itself is reassuring... be nice to see added features like gotya picture reporting and the like but maybe one day
Also its nice to know that the ratez can and will increase, wonder what the basis is? I think id be puttin up a little more of a fight considering I was quoted at 130 upon new customer purchase of my GNII
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PhxDroid86 said:
There definitely are more power security apps out there, but knowing that there is already the groundwork there straight outta the box is pretty nice (still requires some form of setup which means users are only saved time for however long it takes to install an app... not sure why though as its not like they dont have all that info upon signup) but ultimately knowing its through the carrier itself is reassuring... be nice to see added features like gotya picture reporting and the like but maybe one day
Also its nice to know that the ratez can and will increase, wonder what the basis is? I think id be puttin up a little more of a fight considering I was quoted at 130 upon new customer purchase of my GNII
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It's the fine print at the bottom where they say rates and services subject to change without notice. Hahaha. But ya I'm gonna drop insurance on mine. I've already had one replacement for this one and at 12 dollars a month for 2 years plus 175 is 463 dollars. No thanks. By this time next year I can buy a brand new one for that price.
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Reason the price goes up is because of all the insurance fraud. People take advantage of that. SMH
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Z51 said:
Reason the price goes up is because of all the insurance fraud. People take advantage of that. SMH
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Kind of a shame how the honest people always suffer the consequences of the dishonest.
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kushXmaster said:
Kind of a shame how the honest people always suffer the consequences of the dishonest.
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Exactly. But reguardless its gonna happen.
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