That's a good question MBWC41 because I didn't think you could get insurance on it, at least through AT&T or Apple.

Pretty sure AT&T has started offering insurance on them now. But at first they didn't. I also believe the insurance covers water damage.

That's a good question MBWC41 because I didn't think you could get insurance on it, at least through AT&T or Apple.

 

I actually have insurance on mine through my actual insurance company(state farm) only 32$ a year.

http://www.iphonefaq.org/archives/97196

Ways to insure your iphone

 

1) AppleCare

2) Third Party Mobile Phone Insurance

3) Credit Card Purchase Protection

4) Homeowner's Insurance - If you already have homeowner's or renter's insurance, you may be able to cover your iPhone through an extension to your existing policy. For example, State Farm will reportedly cover your iPhone for an additional $32.50 per year.

Rice has never worked for me...

Homeowners will cover it and it covers water damage. Just bought a new one for $400 :irked:

Off topic Iphone question...

 

I have one and love it. I want to buy my fiancee a white one for Christmas. Is there any way (other than ebay) that I can just buy the phone and let her deal with setting it up through her account ?

Ok, the speaker is now working, the screen is coming on but is very dark. I dropped $400 on a new today :irked:, but if this other one comes back to life completely within 30 days I can take this new one back and just pay a 10% restocking fee. And if not a lot of phones like this one w/ the same water damage issues are going for around 300-350 on ebay so the hit shouldn't hurt too awful bad. Still in the rice though :lol:

I thought I was going to open this thread and find out about some off-the-wall app somebody came up with.

 

:laugh: I did too...

Homeowners will cover it and it covers water damage. Just bought a new one for $400 :irked:

 

Depending on your policy's wording, it might not. Without an endorsement to add all risk coverage under Coverage C which is personal property, it likely would not be covered. With most companies the HO3 policy which is what most people have only covers your personal property on a named peril basis, which with regards to water would pretty much limit the coverage to accidental discharge of water or steam from within a plumbing system or appliance.

 

Dropping the phone into the toilet would not trigger coverage in this case. The majority of people do not have all risk coverage on their personal property. The homeowners policy provides much broader coverage on the dwelling itself, than it does for personal property. In addition, without endorsement the personal property coverage is also limited to actual cash value as opposed to replacement cost. However, most people do have the endorsement to add replacement cost coverage to Cov C. Personal Property.

 

In addition, these days more and more homeowners are electing to carry a higher deductible. $1,000 is becoming pretty common. Even if you had a low deductible such as $250, I would likely advise against making a claim for a phone which is worth $400. A small claim will count against you just as much as a big claim and you don't want to submit any more claims than you have do to avoid any surcharges on your policy.

I thought the speaker would come back on for you. Mine did the same thing. Glad to see it's working for ya!

Depending on your policy's wording, it might not. Without an endorsement to add all risk coverage under Coverage C which is personal property, it likely would not be covered. With most companies the HO3 policy which is what most people have only covers your personal property on a named peril basis, which with regards to water would pretty much limit the coverage to accidental discharge of water or steam from within a plumbing system or appliance.

 

Dropping the phone into the toilet would not trigger coverage in this case. The majority of people do not have all risk coverage on their personal property. The homeowners policy provides much broader coverage on the dwelling itself, than it does for personal property. In addition, without endorsement the personal property coverage is also limited to actual cash value as opposed to replacement cost. However, most people do have the endorsement to add replacement cost coverage to Cov C. Personal Property.

 

In addition, these days more and more homeowners are electing to carry a higher deductible. $1,000 is becoming pretty common. Even if you had a low deductible such as $250, I would likely advise against making a claim for a phone which is worth $400. A small claim will count against you just as much as a big claim and you don't want to submit any more claims than you have do to avoid any surcharges on your policy.

Actually, its not part of the homeowners perse, its a separate policy all together for cell phones

State Farm is covering iPhones of $400.00 retail value under what is called a "Personal Articles Policy" or a PAP...it covers the phone for ANY loss and doesn't carry a deductible in most cases. The coverage runs about $35.00 a year depending on taxes and is VERY good.

 

However, if you have a claim they will most likely non-renew your policy the next year, seeing as they lost $200.00 to 370.00 for the claim.

Depending on your policy's wording, it might not. Without an endorsement to add all risk coverage under Coverage C which is personal property, it likely would not be covered. With most companies the HO3 policy which is what most people have only covers your personal property on a named peril basis, which with regards to water would pretty much limit the coverage to accidental discharge of water or steam from within a plumbing system or appliance.

 

Dropping the phone into the toilet would not trigger coverage in this case. The majority of people do not have all risk coverage on their personal property. The homeowners policy provides much broader coverage on the dwelling itself, than it does for personal property. In addition, without endorsement the personal property coverage is also limited to actual cash value as opposed to replacement cost. However, most people do have the endorsement to add replacement cost coverage to Cov C. Personal Property.

 

In addition, these days more and more homeowners are electing to carry a higher deductible. $1,000 is becoming pretty common. Even if you had a low deductible such as $250, I would likely advise against making a claim for a phone which is worth $400. A small claim will count against you just as much as a big claim and you don't want to submit any more claims than you have do to avoid any surcharges on your policy.

 

95% of homeowners would cover it subject to your deductible so yes, if you have a $500.00 deductible and the phone is only worth $400.00 it would not pay anything.

95% of homeowners would cover it subject to your deductible so yes, if you have a $500.00 deductible and the phone is only worth $400.00 it would not pay anything.

 

Trust me most homeowners policies would not cover the phone being dropped in a toilet. The phone would be covered against fire, theft, etc. That is why state farm is writing the iPhones on an inland marine policy.

Back to working today, I'll be able to return the one I bought and get my $ back