Cell Phone Insurance

Cell Phone Insurance

Get two years of smartphone insurance for as little as $8/month*

Why get cell phone insurance?

A phone's standard warranty typically covers hardware and software defects for a short time. But what if you crack your screen or spill coffee on it?

Progressive's Phone and Electronic Device Insurance by Worth Ave. Group offers protection the manufacturer's warranty doesn't. With it, you're covered from many of life's mishaps. Without it, you could be on the hook for hundreds of dollars to repair your phone or buy a new one.

Cell phone insurance plan coverage

Insurance for cell phones can help protect you from:

  • Accidental damage due to spills and drops
  • Theft and vandalism
  • Cracked screens
  • Power surges from lightning
  • Fire, flood, and natural disasters

What smartphone insurance doesn't cover

Smartphone insurance won't cover everything that can go wrong. Common exclusions are:

  • Viruses
  • Normal wear and tear
  • Software defects
  • Modifications
  • Unauthorized repairs
  • Neglect

Compare cell phone insurance plans

Compared to paying $1,000 for a new iPhone, a two-year iPhone insurance plan through Progressive costs as little as $8 per month. Plus, you can make unlimited claims, and you can purchase a plan regardless of whether your iPhone or Android is new or refurbished.

Compare phone insurance Progressive Phone & Electronic Device Insurance

Apple Care+

Best Buy Geek Squad

Square Trade

AT&T

Insurance or warranty Insurance Warranty Warranty Warranty Warranty
Theft Checkmark Not Applicable Checkmark Not Applicable Checkmark
Accidental drops Checkmark Checkmark Checkmark Checkmark Checkmark
Liquid Submersion Checkmark Checkmark Checkmark Checkmark Checkmark
Power Surge due to Lightning Checkmark Not Applicable Checkmark Not Applicable Not Applicable
Covers Physical Damage Checkmark Not Applicable Not Applicable Checkmark Not Applicable
Used/Refurbished Coverage Checkmark Not Applicable Not Applicable Checkmark Not Applicable
Unlimited Claims Submissions Checkmark Not Applicable Not Applicable Not Applicable Not Applicable
Coverage Starts Instantly Checkmark Checkmark Checkmark Checkmark Checkmark
Purchase Coverage Anytime Checkmark Not Applicable Not Applicable Checkmark Not Applicable
Policy Length Two Years Two Years Two Years Two Years Two Years
Deductible (portion you pay for claims) $75 $29-$99 $199.99-$249.99 $25-$149 $29-$250
Price $155.00 $149.00 $219.99 $215.76 $360.00

Plan comparison based on Two-Year Full Coverage Insurance protection plan and minimum deductible available of $75. The device used in this comparison has a retail value of up to $700. Prices and terms are effective as of 04/01/2021 and may change at any time. This website does not provide detailed information regarding, or interpretation of, specific insurance contracts, policies, warranties and other protection plans. The applicable contract, policy, warranty or plan, and not this website, will govern claims handling, settlement, and the terms of coverage. For complete coverage information, please refer to the applicable specific document in its entirety, including all applicable endorsements. Different plans & options, deductibles, and prices may be available from the providers discussed above.

Progressive Advantage Phone & Device Insurance coverage will start at 12:01 am the day after purchase. 30-day waiting period required on accidental damage claims (e.g. spills, liquid submersion, and cracked screens) for new policies.

Other types of electronics you can insure through Progressive

With electronic device insurance through Progressive, you can get coverage for your other devices, too, including:

Common questions about cell phone insurance

How much is insurance for a cell phone?

Do I have to pay a deductible if I submit a claim?

Why do I need insurance if I have a warranty?

Electronic device on a tabletop

Get a quote now for cell phone insurance through Progressive.

Buy onlineOr call 1-844-571-6742