Is smartwatch insurance worth it?

If you're worried about accidental damage, then smartwatch insurance may be worth it. Most smartwatch warranties cover mechanical failure or defects, but they usually don't cover accidental damage, such as falls or spills, let alone theft. With smartwatch insurance, your device may be covered for repairs, and even replacement, for common types of damage, including cracked screens, liquid submersion, and more.

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What does smartwatch insurance cover?

Smartwatch insurance generally covers accidental damage and theft, including the following:

  • Liquid damage, from spills or liquid submersion
  • Physical damage, such as a cracked screen, from drops or other accidents
  • Power surges due to lightning
  • Theft and vandalism
  • Fire, flood, and natural disasters

Insuring an Apple watch or any smartwatch may make sense if you're worried about paying to repair or replace it yourself. It may also make sense if you frequently wear your smartwatch in high-risk environments, such as on or near water, on a job site, or anywhere you're likely to drop it or bump it against other objects.

Pro tip:

Your smartwatch may come with a one-year warranty, but these warranties generally don't cover accidental damage. For that kind of coverage, you need smartwatch insurance.

How does smartwatch insurance work?

When you file a claim on your smartwatch insurance, the insurer will verify that the damage is covered. If it is, you'll either ship your smartwatch to a repair facility or take it to a local authorized repair shop. Your insurer will pay for the repairs or to replace your smartwatch, minus your deductible and up to the limits of your policy.

How much does it cost to insure a smartwatch?

Insurance for electronic devices is one of the more affordable types of insurance. For example, a two-year plan for phones, laptops, and other devices from Progressive® Phone & Electronic Device Insurance provided by Worth Ave. Group costs less than $8 per month.* Smartwatches can range in price from $100 to $400, so insuring yours may make sense if you're concerned about the cost to repair or replace yours.

Learn more about electronic device insurance from Progressive® Phone & Electronic Device Insurance provided by Worth Ave. Group.

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Please note: The above is meant as general information to help you understand the different aspects of insurance. Read our editorial standards for Answers content. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provisions, limitations, or exclusions expressly stated in any insurance policy. Descriptions of all coverages and other features are necessarily brief; in order to fully understand the coverages and other features of a specific insurance policy, we encourage you to read the applicable policy and/or speak to an insurance representative. Coverages and other features vary between insurers, vary by state, and are not available in all states. Whether an accident or other loss is covered is subject to the terms and conditions of the actual insurance policy or policies involved in the claim. References to average or typical premiums, amounts of losses, deductibles, costs of coverages/repair, etc., are illustrative and may not apply to your situation. We are not responsible for the content of any third-party sites linked from this page.