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Device insurance

Device Insurance: Phones, Laptops, and Tablets

Carrier-bundled phone plans are convenient but rarely cheapest. Compare standalone device protection from independent providers.

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Updated May 21, 2026 · Methodology

Typical device insurance costs by device type
  • Device
    iPhone 17 Pro
    Carrier bundled
    $15–$18/mo
    AppleCare+
    $13.49/mo
    Standalone (SquareTrade/Asurion)
    $11.99/mo
  • Device
    iPhone 17
    Carrier bundled
    $13–$16/mo
    AppleCare+
    $8.99/mo
    Standalone (SquareTrade/Asurion)
    $8.99/mo
  • Device
    Samsung Galaxy S26
    Carrier bundled
    $13–$17/mo
    AppleCare+
    N/A
    Standalone (SquareTrade/Asurion)
    $10.99/mo
  • Device
    MacBook Pro
    Carrier bundled
    N/A
    AppleCare+
    $24.99/mo
    Standalone (SquareTrade/Asurion)
    $14.99/mo
  • Device
    MacBook Air
    Carrier bundled
    N/A
    AppleCare+
    $8.99/mo
    Standalone (SquareTrade/Asurion)
    $7.99/mo
  • Device
    iPad Pro
    Carrier bundled
    $8/mo
    AppleCare+
    $7.99/mo
    Standalone (SquareTrade/Asurion)
    $5.99/mo
Updated May 21, 2026Why you can trust Insurances Quote ›
MA
Written by
Marcus Allen
Senior Editor
SC
Edited by
Sarah Chen
Editorial Director
PW
Reviewed by
Dr. Patricia Wong
Insurance Industry Analyst
DP
Data review
David Park
VP of Data Science
Why you can trust this guide: Pricing from major device-protection administrators (Asurion, SquareTrade, AppleCare, Samsung Care+); coverage definitions verified against current published plans.

What device insurance typically covers

  • Accidental damage (cracked screens, drops, liquid damage)
  • Theft (with police report)
  • Mechanical and electrical failure after manufacturer warranty expires
  • Battery replacement after capacity falls below threshold
Quick facts
  • Carrier-bundled plans usually 30–50% more expensive than standalone for same coverage.
  • Renters/homeowners insurance already covers your devices for theft — verify before buying device-specific.
  • AppleCare+ tops $2K total cost over 2 years for a Pro phone — math is unfavorable for many shoppers.

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Standalone vs. carrier-bundled

Carriers (Verizon, AT&T, T-Mobile) offer device protection alongside the phone plan — convenient, but typically $10–$18/month per line plus deductibles. Standalone providers (AppleCare+, Asurion, SquareTrade, insurance-licensed alternatives) often beat that on price, deductible, or both.

Already have homeowners or renters insurance? Personal property coverage already extends to your phone for theft — though usually with a higher deductible than a device-specific plan, and not for accidental damage.

MA
Expert Tip
Marcus Allen
Senior Editor
Before paying for device-specific insurance, calculate the math: 24 months × $15/mo = $360, plus a $99 deductible per claim. If you can replace the phone for ~$1,200, the breakeven is one screen repair + one replacement. Many shoppers never file a claim.

When device insurance makes sense

Pros
  • Heavy phone users prone to drops/water exposure.
  • High-value devices ($1,500+ replacement) you can't self-insure.
  • Frequent travel with devices.
  • Households with kids who handle parents' devices.
Cons
  • Renters/homeowners already covers theft — verify first.
  • Premium + deductibles often exceed actual claim payouts.
  • Trade-in / refurb options may be cheaper than insurance + deductible.
  • Coverage exclusions (cosmetic damage, water without "submersion event") trip many claims.

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Frequently asked questions

Is phone insurance worth it?
For a $1,000+ phone you can’t easily replace, often yes. For a $300 phone, math usually unfavorable.
Does my homeowners or renters policy cover my phone?
Yes — for theft and certain damages — up to your personal property sub-limit. Usually doesn’t cover accidental damage.
Is AppleCare+ the best option?
Convenient, but not cheapest. Asurion + SquareTrade often beat AppleCare+ on monthly cost. Trade-off is the in-store Apple Store repair experience.
Can I buy device insurance after I purchase the phone?
AppleCare+ requires purchase within 60 days. Standalone providers have longer windows (sometimes 30 days) but rarely a year out.

Sources

  1. Federal Trade Commission — Mobile Device Insurance Guidance
  2. Better Business Bureau — Device Insurance Providers
  3. Consumer Reports — Phone Insurance Analysis

Methodology

Pricing from major device-protection providers (Asurion, SquareTrade, AppleCare+, Samsung Care+) as of May 2026. Carrier-bundled pricing from Verizon, AT&T, T-Mobile published rate cards.

Related articles

Renters Insurance

Often covers your devices for theft.

Home Insurance

Personal property coverage for devices.

Travel Insurance

Devices while traveling.

Auto Warranty

Vehicle service contracts.

Home Warranty

Systems + appliances.

Business Insurance

BOP includes business devices.

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Advertiser Disclosure

Insurances Quote is an independent insurance marketplace. We are paid by carriers when shoppers switch to a policy we’ve helped match — never by the shopper. We don’t resell your lead data to third-party buyers, and the carrier rankings on this page reflect our composite quality score (35% claims, 30% price, 20% service, 15% digital tools), not paid placement.

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