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How to get free cell phone insurance

Phone insurance doesn’t have to come from your carrier.

Iphone and samsung on purple background
Image: KnowTechie

Our cell phones have become extensions of ourselves, facilitating easy communication and holding all of our deepest secrets.

When you lose or break your phone, it can feel like you’ve lost or broken a part of yourself. While many of us insure our cars, our homes, and our lives, we may neglect to cover our treasured mobile devices.

Insurance, however, can be expensive—but not when you don’t have to pay for it. Let’s discuss how to insure your cell phone for free.

Get free cell phone insurance with a credit card

Iphone se 2022 three colors
Image: KnowTechie

If you don’t want to pay your insurance company or cell phone provider to cover your device, you can sign up for a credit card that offers free coverage.

You should, of course, only select a service that will provide you with a clear advantage.

READ MORE: How to get free e-books for any device

Most free insurance deals have fairly strict rules and requirements, so you should always read the fine print before agreeing to anything.

Here are some things to consider:

  • Most deals require you to pay your monthly cell phone bill using the provided credit card
  • Number of annual claims is limited
  • Maximum claim amounts vary between providers
  • Deductible amounts also vary
  • As with many insurance claims, evidence, such as police reports or other documentation, may be required

Credit card providers should list all relevant information in their terms and conditions. We’ll say it again: always read the fine print.

Which credit cards offer free cell phone insurance?

Credit card in wallet
Image: Unsplash

Here are some of the credit cards that offer free Android and iPhone insurance:

We’ve listed some of the credit cards that offer free cell phone insurance, but other options do exist.

Therefore, if none of the above deals suit your style, a little extra research may uncover the ideal alternative.

Is free cell phone insurance worth it?

If you already have a credit card, switching to a service that offers free cell phone insurance might make sense.

But if you’re not currently a credit card user, you’ll need to consider whether signing up is worthwhile. There’s no need to sell your soul if the reward isn’t worth the sacrifice.

We’ll say it one last time: always read the fine print.

Have any thoughts on this? Let us know down below in the comments or carry the discussion over to our Twitter or Facebook.

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Matt is an Australian writer with a degree in creative and critical writing. Prior to commencing his studies, he worked in tech support and gained valuable insights into technology and its users. He is also an editor and author coach at Dean Publishing.

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