Cell Phone Insurance in Cleveland, Ohio

We wrote an article a while back about gadget insurance which including tips and information on how to insure your gadgets such as your radio, CD player, cell phone, iPod, tablet, mp3 player, or other similar gadget. We've gotten a lot of feedback and questions about cell phone and smart phone insurance, namely "what is it" and "should I buy it". We've listened to our clients and our community and put together a small road map you can use to start your journey of research on insuring your smart phone. Of course we would love to chat via phone at 440.233.6199 or in person if you're over in the Elyria area for whatever reason! 

The other question that keeps coming up is, "what if I don't currently have cell phone insurance but I broke my screen and need to get it fixed". We have also listened and heard your questions and have found a reputable source for cell phone repair near us in Westlake, their business is called Ucrackit-Ifixit and their website is here, http://www.ucrackit-ifixit.com/. Many friends have used their services and have been pleased with the price and the outcome of their visit with this business. They are active on social media as well so be sure to reach out if you need their help and let them know that Cobos Insurance sent you! 

What is cell phone insurance?

Depending on the current insurance carrier you use, you may be able to add an endorsement to cover your smart phone or it may make sense to take out an individual policy on your gadgets depending on the amount and value. For the sake of this article, we will primarily discuss adding on an endorsement to your current auto insurance policy.  Cell phone insurance can help you cover the mobile technology that you take along with you in your vehicle. One of the perks of this coverage is how affordable it can be, depending on the carrier and the amount of coverage, you can add this endorsement for as little as $1 per month! (If you think that you could benefit from this coverage, give us a call today at 440.233.6199 and we can discuss the best option for your situation)

What does cell phone Insurance cover?

Cell phone insurance can cover your smart phone along with accessories specifically for these devices like protection covers, cords or adapters, headphones, CD's, antennas, or any other accessory that specifically is used in conjunction with your gadget. The cell phone will be covered if...You or a family member own the electronic device, The device is in your car or another vehicle at the time of loss, and The gadget is not permanently installed in the vehicle.

Your electronic devices and gadgets are typically covered for up to $1,000 regardless of the number of devices that are damaged or stolen. Typically there is a deductible associated with smart phone insurance and on average that amount is around $100. Different carriers will give you different options, so be sure to have us check into this for you. Also, most carriers will only cover one claim per year when it comes to cell phone insurance, so that they avoid reoccurring claims due to dropping, kids damaging, etc.You should weigh your pros and cons before fully submitted your claim, we would encourage you to give us a call before submitting the claim to your carrier so that we can help you make the most informed decision you can. 

Connect with Us!

If you have further questions about cell phone insurance in Ohio, give us a call or shoot us an email today! We want to write posts about your favorite topics, be sure to interact with us on social media and let us know what you would like to see! You can connect with us through the following channels… 




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Posted 10:51 PM

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NOTICE: This and all content is developed from sources believed to be providing accurate information. The information in this material is not intended to be used as tax or legal advice. Please consult with a tax and/or legal professional for detailed information regarding your individual situation. Some of this material was developed and shared by Cobos Insurance Center, Inc. to provide information that may be of interest. Cobos Insurance Center, Inc. is not affiliated with the named representative, broker-dealer, state- or SEC-registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security.
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