When Should I Buy Phone Insurance?

We rely on our phones for just about everything — staying connected, managing work, and capturing memories. So when something happens to it, the stress (and the cost) can be huge. With new smartphones now costing as much as a laptop (or even more), it's only natural to want to protect your investment from everyday accidents. The last thing you want to think about is what if it slips from your hand and ends up cracked or soaked. That's why phone insurance should be on your radar.

If you're wondering whether phone insurance is really worth it, here are a few situations where having coverage can make a big difference:

1. When You've Just Bought a New or Expensive Phone

If you've just upgraded to the latest iPhone or Galaxy, you already know how valuable it is. These devices are powerful — and pricey to repair. A cracked screen alone can cost over $300, and more serious repairs can run even higher. Getting phone insurance right after you buy your new phone ensures you're covered against accidental damage, so you can enjoy your device without worrying about what might go wrong.

Many insurance plans by carriers or third-party providers require you to sign up within 30 or 60 days of purchase. However, some insurance providers, like Worth Ave. Group, are more flexible and allow you to get coverage for your phone at any time – no matter when you bought it.

2. When Your Manufacturer Warranty Isn't Enough

Your phone likely came with a manufacturer's warranty, but that only covers defects or malfunctions, not accidental damage. That means if you crack your screen, spill coffee on your phone, or drop it in water, you're on your own. Phone insurance fills in those gaps, providing coverage for types of damage that your warranty doesn't cover. Once you realize that, getting phone insurance makes a lot of sense.

3. When You Travel Often

If you're someone who's always on the go, phone insurance can be a lifesaver. Whether it's a business trip or a vacation abroad, phones are more likely to be stolen or accidentally damaged during travel, especially in airports, beaches, or tourist spots.

Some insurance policies even offer worldwide coverage, so you're protected no matter where you are. A good policy can cover theft and damage while you're away, helping you avoid the nightmare of being abroad without your phone (and all your travel plans).

4. When You're Giving a Phone to
Your Kids

If you're getting a phone for your child or teen, insurance is a smart move from day one. Kids use their phones everywhere — the school bus, playgrounds, or while hanging out with friends — and accidents are bound to happen. Phone insurance helps parents worry less about the cost of repairs and replacements.

5. When You Realize Repairs Aren't Cheap

Here's a quick reality check: a cracked screen, a broken camera, or water damage can easily cost hundreds of dollars out of pocket. If you've ever hesitated to repair your phone due to the price, that's a clear sign that phone insurance is worth considering. With affordable coverage in place, accidental damage or costly repairs won't drain your wallet, giving you peace of mind if your phone slips, falls, or gets damaged.

6. When You're Buying a Used or Refurbished Phone

Buying a used or refurbished phone can be a smart way to save money upfront, but it comes with its own risks. That's why phone insurance can be especially valuable in this situation. With the right insurance protection, you can be covered against unexpected repairs or accidents, even if the phone isn't brand new.

It's worth mentioning that not all insurance plans cover used or refurbished devices, but some providers, like Worth Ave. Group, do — as long as the phone is in working condition and there's no preexisting damage.

7. When You're Accident-Prone

If you've dropped, spilled on, or otherwise damaged phones in the past, you know how easily accidents can happen. Getting insurance for your phone can save you from paying the full price for future repairs or replacements. It's like having a safety net for those "oops" moments.

The Bottom Line

Many people only think about phone insurance after something goes wrong — a cracked screen, a stolen phone, or an expensive repair bill. But by then, it's too late. The right time to buy phone insurance is before anything happens. Whether you've just upgraded to a new device, bought a refurbished one, or realized how much you rely on your phone every day, getting insured early can save you a lot of money and stress in the long run.

After all, your phone connects you to everything that matters. Protecting it just makes sense.

Protect your iPhone or Android from mishaps!