What does Verizon's phone insurance cover for my iPhone?
I have insurance for my iPhone. I'm just wondering what all the insurance covers
All your answers are in your contract.
I think it covers everything but water damage and lost or stolen phone
Depends on a few things, Verizon doesn't provide insurance, they provide the warranty for one year after purchase if you got the device from them. If you have TEC (total equipment coverage) that covers the extended warranty after the manufacturers warranty expires and lumps it with Asurion's which covers if the device is lost stolen or physically damaged. If you have a warranty issue within the first year, its a free replacement from verizon. They send you a certified like new replacement device. You send them back your old non working one. If the phone has physical damage, you better hope you have insurance. You will have to pay a deductible to get a replacement phone. The Iphone 4 and 4s deductible for 8 gb or 16 gb is $169. Asurion also has just wireless phone program, (WPP as read on your bill) and that is just the insurance portion once the warranty with Verizon expires. You don't have to return a phone if filing an insurance claim with asurion. For more info visit phoneclaim.com.
Depends on what insurance you have.
Total Equipment Coverage (9.99 monthly) covers literally anything you could ever do it ( water damage, shattered screen, lost, stolen, mugged, hit with a baseball bat, run over with a car). The way the Verizon gentleman explained it to me when I bought it was, and I quote "Covers everything except nuclear warfare." Assurions website describes Total Equipment Coverage as "Coverage for loss, theft, damage, MECHANICAL or ELECTRICAL Defects after the manufacturer's warranty expires"
It describes the Wireless Phone Protection (WPP) (8.18 monthly) is "Coverage for loss, theft and damage"
And the person saying you don't have to return the old device is not correct. I have been an Assurion customer for almost 10 years and filed many times with them. Every single time I have filed a claim I have had to return my old device. If you do not return the old device, your credit card is charged the full retail of the phone ( An iPhone is ~$600)
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