Cell Phone Insurance

Q: How do I file a phone insurance claim?

To file a Worth Ave. Group phone insurance claim with Progressive: Gather information : Be prepared with your policy number, phone make and model, date and description of the incident, and any photos or police report (if applicable). Start your claim : Log in to your account and locate the claims portal using the My Policy link online to submit a claim. Submit required documents : Once submitted, your claims adjuster will reach out if they need additional documentation, so check your inbox and spam folder. After your claim is finalized, your adjuster will walk you through the repair or replacement process. Get paid for your repair or device : If your phone needs to be repaired or replaced because of a covered event, you will be paid directly, minus your deductible ($75), through the plans offered through Progressive. Monitor your claim : Track your claim status online or by contacting customer service.

Protect your phone from theft, damage, and more with plans starting at $8/month^*

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How does phone insurance work?

Phone insurance works by helping cover the cost to repair or replace your device after a covered accident or mishap. A phone's standard warranty typically covers hardware and software defects for a short time, but it usually doesn't cover a cracked iPhone screen or a liquid spill.

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

What does cell phone insurance cover?

Insuring an iPhone or Android can help protect you from:

Accidental damage due to drops and liquid spills
Theft and vandalism
Shattered or cracked screens
Power surges from lightning
Fire, flood, and natural disasters

What does phone insurance not cover?

Smartphone insurance won't cover everything that can go wrong. Coverage may not include:

Viruses
Normal wear and tear (e.g., cosmetic damage)
Software defects
Modifications
Unauthorized repairs
Neglect, such as leaving your phone unattended

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^**		Select a provider	Apple Care+	AT&T	Square Trade
Insurance or protection plan	Insurance	Protection plan	Insurance	Protection plan	Insurance
Theft	Checkmark	Checkmark	Checkmark	Not Applicable	Checkmark
Accidental damage	Checkmark	Checkmark	Checkmark	Checkmark	Checkmark
Liquid submersion	Checkmark	Checkmark	Checkmark	Checkmark	Checkmark
Power surge by lightning	Checkmark	Not Applicable	Not Applicable	Not Applicable	Not Applicable
Used/Refurbished coverage	Checkmark	Not Applicable	Not Applicable	Checkmark	Not Applicable
Unlimited claims	Checkmark	Not Applicable	Checkmark	Not Applicable	Checkmark
Purchase anytime	Checkmark	Not Applicable	Not Applicable	Checkmark	Not Applicable
Cancel anytime	Checkmark	Checkmark	Checkmark	Checkmark	Checkmark
Repair locations	Local / mail in-network	Apple store / authorized	Asurion Tech / uBreakiFix	Local / mail in-network	In-network
Non-repairable	Replacement / reimburse	Replacement	Replacement	Replacement / reimburse	Replacement
Monthly or in-full payment	Both on select terms	Both	Monthly	Monthly	Monthly
Deductible (portion you pay for claims)	$75	$29-$149	$0-$275	$149	$0-$279
Policy term	Two years	Two years	Two years	Two years	Two years
Price	$169	$287.76	$408	$215.76	$456

Why choose Progressive with Worth Ave. Group?

Flexible

New and used

Protect your new, used, and refurbished phone.
Easy

Online filing

File claims online in a quick and easy process.
Unlimited

More claims

Get more claims per year than with a cell phone protection plan.

Common questions about cell phone insurance

How much is cell phone insurance?

A two-year iPhone insurance plan through Progressive costs as little as $8 per month.^† The cost of a cell phone insurance plan varies based on the phone's brand, model, and age, and the coverage amount you select. Typically, the more expensive the phone is, the higher your premium will be. Learn more about how cell phone insurance works.

How do I file a phone insurance claim?

Yes. If your phone needs to be repaired or replaced because of a covered event, you pay your plan's deductible, and the insurance company covers the rest. The minimum deductible on plans offered through Progressive is $50.

What's the difference between a cell phone warranty and phone insurance?

In general, a cell phone warranty offers some limited mobile phone protection. It typically only covers malfunctions caused by manufacturer hardware or software defects. So, if your toddler drops your cell phone in the toilet and you can't get it to turn on again, you're out of luck. But if you have cell phone insurance, your plan can cover the cost to repair or replace your phone.