In 2025, buying a new phone is more expensive than ever—especially if you’re going for a flagship like the iPhone 15 Pro or Samsung Galaxy Z Fold5. That’s why phone insurance plans in 2025 are no longer optional—they’re a smart move to protect your money and your tech.
These plans offer peace of mind by covering accidental damage protection, phone theft coverage, and even cracked screen repair. Whether you’re using AppleCare+, Samsung Care+, or a third-party phone insurance provider, understanding your options has never been more important. This complete guide will help you make sense of it all and choose the plan that’s right for your lifestyle and budget.
What Is Phone Insurance and Why Do You Need It?
Phone insurance is a device protection plan that helps pay for repairs or replacements if your phone is damaged, lost, or stolen. In 2025, phones are used for banking, shopping, photos, and more. So losing one isn’t just about money—it’s a big hit to your daily life. That’s why electronic device coverage is becoming standard.
When you have insurance, you don’t need to worry about the full phone replacement cost. Instead, you’ll pay a phone insurance deductible, which is usually much lower. For example, iPhone 15 Pro screen repair without insurance can cost over $300. But with AppleCare+, you might only pay around $29 for cracked screen repair. This is where the value becomes clear.
Types of Phone Insurance Plans Available
In 2025, you can choose from many types of phone insurance. One popular option is manufacturer plans like Samsung Care+, Google Preferred Care, or AppleCare+. These are directly from your phone’s maker and often offer in-store repairs, fast claims, and easy support.
You can also get coverage from third-party phone insurance providers such as Asurion insurance, SquareTrade by Allstate, Assurant phone insurance, or even Geek Squad Protection. These are not tied to one phone brand but still offer strong accidental damage protection, phone theft coverage, and access to a repair shop network.
Should You Buy Phone Insurance?
Many people wonder: Is phone insurance worth it? If you have a budget phone under $200, maybe not. But if you own a flagship model like the Samsung Galaxy Z Fold5, even a single accident could cost hundreds. Repairs for foldables are expensive and not always easy to find.
Insurance becomes even more valuable if you travel, work outside, or have kids. It gives peace of mind. Think about how often people drop their phones. Now ask yourself: could you afford to fix or replace yours without help? If the answer is no, phone insurance is a smart move.
Best Phone Insurance Providers in 2025
Let’s take a look at the top mobile insurance provider 2024 and what they’re offering now in 2025. Some companies stand out due to coverage, pricing, and customer support. Here’s a simple table to compare them:
| Provider | Monthly Cost | Deductible | Highlights |
| AppleCare+ | $9.99+ | $29-$149 | Official Apple repair, theft option |
| Samsung Care+ | $11.99+ | $29-$199 | Covers foldables, water, theft |
| Asurion insurance | $12.99+ | $50-$250 | Works with many brands, fast claim |
| SquareTrade by Allstate | $8.99+ | $99 | Includes other gadgets, great for families |
| AKKO | $6-$15 | $29-$99 | Covers multiple devices, flexible plans |
Many of these offer unlimited claims coverage, unlike others with strict limits. That can save you a lot in the long run.
Comparison of Top Phone Insurance Plans
Each provider offers unique benefits. AppleCare+ is great if you want Apple-certified repairs and global support. Samsung Care+ covers high-end models like the Galaxy Z Fold5 with water damage and cracked screen repair.
On the other hand, AKKO might be the best third-party phone insurance. It’s cheaper, covers multiple devices, and is easy to manage from its app. Let’s look at this comparison:
| Plan | Brands Covered | Theft Included | Claims Per Year | Repair Options |
| AppleCare+ | Apple only | Optional | 2 per 12 months | Apple Stores, Mail-in |
| AKKO | All major brands | Yes | Unlimited | Local shops, mail-in |
| Asurion | Most phones | Yes | Varies | In-store, at-home repair |
| Geek Squad | Best Buy phones | Yes | Unlimited | In-store only |
This will help you compare AppleCare vs AKKO and make the right decision.
Can You Get Insurance for Older Phones?
Many people ask, Can I insure my phone after 30 days? The answer is yes, but it depends on the provider. Some, like AKKO and SquareTrade, accept phones up to 36 months old, while others require newer devices.
These companies usually check your phone’s condition first. They may ask for a video or run a diagnostic. If the phone passes, you can still get full accidental damage protection and phone theft coverage. This makes them good choices for insurance for old phones.
Phone Insurance for Different Brands
Brand matters when choosing gadget insurance. If you have an Apple device, AppleCare+ is the most seamless option. Everything works through Apple—easy, fast, and usually local. For Samsung, Samsung Care+ gives the same experience, especially if you own a premium device like the Galaxy Z Fold5.
Google Preferred Care offers simple support for Pixel devices. You can use Google Store or visit a repair shop network partner. For Motorola, OnePlus, and others, you’ll need third-party phone insurance or a retailer insurance plan like SquareTrade or Assurant phone insurance.
Phone Insurance Through Mobile Carriers
Most major U.S. carriers offer their own mobile carrier phone insurance. Verizon Mobile Protect, AT&T Protect Advantage, and T-Mobile Protection 360 all include fast replacements, security features, and cell phone repair benefits.
While easy to sign up for, these plans often cost more than third-party phone insurance and might include extras you don’t need. For example, cloud backup or tech support. That’s why many people switch to AKKO or SquareTrade by Allstate.
How to Choose the Right Insurance Plan for You
To choose the best plan, ask yourself a few questions. What’s the value of your phone? Are you careful with devices? Do you travel often? Also, think about who fixes your phone—do you prefer a brand store, local repair shop network, or mailing it in?
Also compare how much is phone insurance monthly with what you might pay out of pocket. A $12/month plan with a $50 deductible may be better than risking a $400 screen replacement.
Alternatives to Traditional Phone Insurance
There are other ways to protect your phone. Some credit cards offer personal item protection that includes phones. You could also start a savings fund for cell phone repair. Services like uBreakiFix or Best Buy Geek Squad offer one-time fixes too.
These are good options if you’re okay paying for repairs yourself. Just remember, they don’t include phone theft coverage or unlimited claims coverage, which makes them different from true phone insurance plans.
How to File a Phone Insurance Claim
When your phone breaks, filing a claim should be fast. First, log in to your provider’s website or app. Then explain what happened. Some companies may ask for photos or videos.
Most plans, like Asurion insurance, promise replacements in 24–48 hours. Apple often lets you walk into a store for same-day repairs. This fast support is a big reason many people choose high-end phone insurance.
Final Thoughts
Phone Insurance Plans in 2025 are better and more flexible than ever. Whether you choose AppleCare+, AKKO, or SquareTrade, what matters most is that you protect your device. Phones are expensive and essential.
Choosing the right plan helps you avoid stress and save money. So don’t wait for an accident to happen. Review your options, compare AppleCare vs AKKO, and pick what fits your lifestyle best. You’ll be glad you did the next time your phone slips out of your hand
FAQs
What is the best cell phone insurance coverage?
The best coverage often comes from AppleCare+, Samsung Care+, or third-party phone insurance like AKKO or SquareTrade, offering theft, loss, and damage protection with low deductibles.
Is it worth getting mobile phone insurance?
Yes, if you own a high-end device or are prone to drops, phone insurance plans in 2025 can save you from expensive repairs or replacements.
Is it wise to insure a phone?
Absolutely, especially for costly phones like the iPhone 15 Pro—accidental damage protection and phone theft coverage provide financial safety.
What is the disadvantage of mobile phone insurance?
The main downside is the monthly phone insurance cost and phone insurance deductibles, which may add up over time if you never file a claim.
What is the cheapest way to insure a phone?
The cheapest phone insurance plans usually come from third-party providers or retailer insurance plans, offering lower fees and flexible terms.