do the math the insurance is a waste IMO.
Ok? Lets see here. $7x 24 months is...168. 168+500 bucks=$668
Current price for bb tour is 200 bucks. But will decrease in price.
So first tour was 400 bucks, second, 300, third 200, fourth 100, 5th 50.
So that is 400+300+200+100+50.
That equals 1050 dollars. so over two years I save $382.
Not bad. Considering.
But let us look at one year. 7x12=84 bucks.
replace phone 3 times=384 bucks.
Price on ebay of a new phone=400 bucks.
So I can replace my phone 3 times for the price of one new phone.
And it does not matter what I do to it.
Lost, stolen, destroyed, water, do not have to worry.
Phones are tools. They are not babies. You do not cuddle them, you use them.
If the tool brakes, you get a new one.
The insurance allows you to get 3 phones a year for the cost of just one.
But the terrible lie of me is that I break things. That is what I do. Nothing last with me.
I know about the home owners insurance. But the home owners insurance will adjust with each use. So if you claim your phone, your home, car, and any other property insurance will go up. Most times higher then the cost of the new phone.
Bottom line. It insurance was not free for me. I would still pay for it.
The other thing that I have noticed. The repair center is more likely to replace your phone with a new one for free if you have the insurance then if you do not.
I was playing baseball last weekend. I had my cellphone in my coat pocket on a bench. The pitcher, if you can call him that, throw a ball right at my coat.
It hit my cellphone dead on. I went to the repair shop. They looked at the phone. Sent it back the repair guy.
About 5 mins later the pronounced it dead. 5 mins later, they handed me a new phone. And I walked out the door.
Total charge, zero bucks. Why, because I bought the full insurance. They had a refurbished one in store. I was good. If they did not have one in store. They would have charged me 100 bucks to replace the phone. With most smartphone insurance makes sense.