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Best form of Insurance for Evo

I found out last week that most if not all forms of home owners insurance and renters insurance will allow you to separately insure personal items for a nominal fee. This has no deductible, covers full amount of item, and they usually just need serial number.
My wife's hero and my evo are now insured for $50 a year under renters insurance. My friend insured 2 evo's and a hero for $15 for a year under his home owners insurance. Plus neither have a deductible for personal item insurance. Just the yearly payment.

Good info. Curious, dDoes this cover malfunctions, accidental damage, and theft? Who is your insurer?

theres an insurance company around here called state farm (they do auto insurance I believe) and they sell personal item insurance for $30/year and it covers just about any smartphone. You don't have to have any other kind of insurance with them. You pay $30 bucks and they write you a check for how much it costs if you need it replaced, but they cancel you for a year after 1 claim.

itmustbejj said:
but they cancel you for a year after 1 claim.
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i'm assuming they just cancel the device insurance, and not everything lol.

itmustbejj said:
theres an insurance company around here called state farm (they do auto insurance I believe) and they sell personal item insurance for $30/year and it covers just about any smartphone. You don't have to have any other kind of insurance with them. You pay $30 bucks and they write you a check for how much it costs if you need it replaced, but they cancel you for a year after 1 claim.
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That is the company my wife and I used for our renters insurance so we rolled it up under that.
I would imagine they look pretty closely at these claims to make sure people aren't taking advantage. But as far as I know they will cover just about anything that happens to it.

itmustbejj said:
theres an insurance company around here called state farm (they do auto insurance I believe) and they sell personal item insurance for $30/year and it covers just about any smartphone. You don't have to have any other kind of insurance with them. You pay $30 bucks and they write you a check for how much it costs if you need it replaced, but they cancel you for a year after 1 claim.
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Wow, that sounds amazing! What does it cover (loss, theft, water damage, etc) and are you positive that you don't have to have any other type of insurance with them?

jasonleb1 said:
Wow, that sounds amazing! What does it cover (loss, theft, water damage, etc) and are you positive that you don't have to have any other type of insurance with them?
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Ok I guess you do have to have some kind of insurance through them. I found this:
State Farm DOES in fact insure cell phones, they do it through their "Personal Articles Policy". Their are two requirements to get it. One, that the phone has to be worth over $500 (which is why they will say they don't insure cell phones because most aren't worth that much including the IPHONE) but the Nexus One is worth over $500. Two, you HAVE to have some type of policy with them already.
If you don't you have a policy with them, you can get some type of home/renters insurance which is crazy cheap (and your an idiot if you don't have something like that in place already). I actually signed up for renters insurance which was $15/month (cheaper than what I was paying) which allowed me to get the phone covered with the Personal Articles Policy.
It's $34/year with No Deductible. It covers everything except software problems. So theft, damage, you get pissed and decide to throw it in a river, etc. gets
covered.
Edit: Theres another guy that said on 4/22/10 that he had the state farm item insurance for his phone with no other insurance

I'll stick with squaretrade.

rutter9 said:
I'll stick with squaretrade.
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Never heard of them. Do they do personal article insurance.
itmustbejj,
Their policy actually states $500? I wonder if they will allow cheaper devices if you have other forms of insurance through them as I'm insuring my Evo and it is $440. Or maybe my wife figured out how to work the system...

Sadly, my State Farm agent sent me this email today in response to my request to apply this to our account. We spoke yesterday and she thought it wouldn't be a problem, but just had to call for a quote...
State Farm no longer writes a Personal Articles Policy for coverage for cell phones and hand held devices. My underwriters informed me that the losses were too great, that State Farm decided to do away with the risk for the company. Thank you for your interest and if anything changes on that I would be delighted to inform you.
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So they stopped in the 3 days since the first post? That sucks. I'm sure you can call around and ask any of the major insurance companies that offer renters/home owners insurance.

JustinChase said:
Sadly, my State Farm agent sent me this email today in response to my request to apply this to our account. We spoke yesterday and she thought it wouldn't be a problem, but just had to call for a quote...
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If that's the case then State Farm better give me back my money check! I haven't received anything like this yet but will update if I do.

i had this for my new laptop.
I spill a cup of water on the keyboard and fried it.
The insurance pick up the tab and replaced it.
Got a check. Cost to much to repair vs. replace it.

Asurion Insurance is no longer handeling nexus one

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Just call state farm and put it on your personal items policy. It's cheaper than Assurion ($3 per month) and they will pay 100% replacement with no deductible.

OutlawPro said:
Just call state farm and put it on your personal items policy. It's cheaper than Assurion ($3 per month) and they will pay 100% replacement with no deductible.
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+1
Been doing that since my 8125

My nexus one was stolen a couple days ago i called t–mobile they gave me the number for the insurance company called for Asurion I told them what happened, Then she said oh it looks like we don't carry nexus one no more,I sad what do you mean you do not carry this phone anymore are you ever gonna carry it, she said no it was discontinued and then said we can give you a comparable phone which was a motorola click or my touch, I can't even tell you what i said next i haven't decided what to do yet because i am still in disbelief.
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Insurance on a phone makes no sense. Also, filing an insurance claim for $500 is only going to hurt you. If you are that worried about it, just save up $500, stick it under your mattress and insure it yourself.

I just hung up with T-mobile who just hung up with Assurion and they stated that the insurance is NOT being dropped...he was actually surprised to hear that someone stated it was going to be dropped.
If they're out of stock then they try and pull what the OP stated which is send a comparable phone...even though none of those are even close to the sexy nexy....

+1 on the personal articles policy with State Farm, Farmers, Progressive, whomever you do your home/rent/car insurance through. No deductible, this is the kind of thing the policies are made for. and it's half the cost of Asurion or t-mobile premiums, and THEY have a deductible.

Before insuring your phone with your home/renter/auto insurance company make sure to get in writing that filing a claim for your phone won't count against you filing a claim. I asked my insurance company, SafeCo. They said that if I insured my phone and filed a claim then my month fee would increase and it would count against my record.

my nexus one got wet so i filed a claim and the told me the same thing that they dont make it anymore. I was like what the F*CK they said we can give a phone just like it the mytouch or cliq how in the hell is the mytouch or cliq anything like my nexus just because it has android???? lucky for me i disassembled my nexus clean it and left it open for 2 day and now it works

Will Asurion give us cash if we don't want the crappy phones they have in stock?

I still don't know what to do but i might just take whatever phone is worth the most and try to sell it and try to buy a nexus on ebay, But the only problem this is they give you a reconditioned phone. who knows what l will be able to sell it for and i'll still have to pay my 130 dollars deductible. It just would've been nice if they will be sent out an email to let me know about this.
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dwerk said:
I still don't know what to do but i might just take whatever phone is worth the most and try to sell it and try to buy a nexus on ebay, But the only problem this is they give you a reconditioned phone. who knows what l will be able to sell it for and i'll still have to pay my 130 dollars deductible. It just would've been nice if they will be sent out an email to let me know about this.
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Again...have you called them and asked them if they will give you $399 cash to buy a new Nexus One on your own? $529-130 = $399

maybe if they sent me two mytouch slides or an EVO but thats it

thewayne01 said:
Insurance on a phone makes no sense. Also, filing an insurance claim for $500 is only going to hurt you. If you are that worried about it, just save up $500, stick it under your mattress and insure it yourself.
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If you don't know what you're talking about, keep your opinions to yourself. It does nothing to you to make a $500 claim on a personal items policy. If your insurance company count it against you, I suggest you get a new company. It's not like your auto or home policy, totally different. I also want to add, that at $3 a month, it would take you nearly 14 years to save $500. Some people like not having to put out another $500 if their phone breaks or is stolen. You're an idiot.

OutlawPro said:
If you don't know what you're talking about, keep your opinions to yourself. It does nothing to you to make a $500 claim on a personal items policy. If your insurance company count it against you, I suggest you get a new company. It's not like your auto or home policy, totally different. I also want to add, that at $3 a month, it would take you nearly 14 years to save $500. Some people like not having to put out another $500 if their phone breaks or is stolen. You're an idiot.
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very much this.

if this is true then I'm canceling my insurance with tmo.
no point in paying them 6 bucks a month for nothing!

i called them yesterday and confirmed the ops findings.

Guys you should us square trade i got a 2 year warranty for $101.79 with tax and all. if they cant fix it they will give you what u paid for it $529 they are really good and i have used them for other phones.
here are some coupon code
Unique Coupon Code: 07P0CVRK4SG 30% off

seeking said:
maybe if they sent me two mytouch slides or an EVO but thats it
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T-Mobile will start to carry the Samsung Galaxy later this month. Perhaps Asurion will agree that is a comparable phone. If something happened to you nexus then maybe you could get the Galaxy.

uansari1 said:
Again...have you called them and asked them if they will give you $399 cash to buy a new Nexus One on your own? $529-130 = $399
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So I just called Asurion. At first, the woman told me that there's no way to know what would happen if I had to file a claim, and the only way to know is to actually file one. WTF?! I explained that if I would be precluded from getting a new N1 or the cash amount to purchase a new one (less the deductible, of course), that I would want to cancel my policy and that's why I need to know definitively whether or not they would give me a new N1 or cash, rather than an inferior phone. Anyway, I was able to talk to a manager. He said that at the moment, as long as Google is selling the phone from the website, if we file a claim and don't want a "comparable phone", we can order the phone ourselves and submit the receipt to be reimbursed in the amount over the deductible. Also, he pointed out that what constitutes a "comparable phone" is always changing. Today it's an HD2, Cliq, or MyTouch Slide. Tomorrow it could be something else with a faster processor, more RAM, etc. (Samsung Galaxy).

[Q] Device Insurance

There will be 3 Epics in my household come 8/31. I am wondering if we could get away with purchasing insurance for just one of the Epics, and have it cover all 3.
Do they record the serial number of the phone and tie it to each insurance policy? What about any other info that could tie a specific phone to the policy rather than just the phone model?
If not, I don't see how we couldn't have 1 policy cover all 3 phones. Thanks

quasi13 said:
There will be 3 Epics in my household come 8/31. I am wondering if we could get away with purchasing insurance for just one of the Epics, and have it cover all 3.
Do they record the serial number of the phone and tie it to each insurance policy? What about any other info that could tie a specific phone to the policy rather than just the phone model?
If not, I don't see how we couldn't have 1 policy cover all 3 phones. Thanks
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Each phone is tied to a line. If Sprint was a GSM network then maybe you could go sim card swaps and maybe get away with it. However since each phone on CDMA networks is stuck to a phone number and thus a line, I am pretty sure they can tell which phone is being replaced.
e.g. if i have 3 phones with numbers 000-000-0000, 111-111-1111 and 222-222-2222, and phone 111-111-1111 breaks but only 000-000-0000 is insured, and I bring in 111-111-1111 to replace it as 000-000-0000 which is insured, any new phone they send me would be activated as 000-000-0000 in other words they'd see that they are activating a phone for a number already in use. I hope this idea makes some sense.

This will not work at all. If you DO decide to swap the phones around, you can't put in a claim or repair until the device has been active on that line for 30 days.

ben7337 said:
Each phone is tied to a line. If Sprint was a GSM network then maybe you could go sim card swaps and maybe get away with it. However since each phone on CDMA networks is stuck to a phone number and thus a line, I am pretty sure they can tell which phone is being replaced.
e.g. if i have 3 phones with numbers 000-000-0000, 111-111-1111 and 222-222-2222, and phone 111-111-1111 breaks but only 000-000-0000 is insured, and I bring in 111-111-1111 to replace it as 000-000-0000 which is insured, any new phone they send me would be activated as 000-000-0000 in other words they'd see that they are activating a phone for a number already in use. I hope this idea makes some sense.
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Yes - that makes sense. Thanks for the quick reply and good info!
So at $7 per month and a $100 deductible, it would take 57 months to total the $500 off-contract price of the Epic.
If we got the insurance for all 3 phones, it'd be 1/3 the amount of time; 19 months to total $500 between us. The insurance still seems appealing (at least until used Epics start showing up on Ebay for ~$200).
If we wait until day 29 to add the Equipment Replacement Program, is accidental damage, theft, etc. covered for the first 4 weeks after the phone is purchased? (Does that 30-day satisfaction policy cover this?)
Thanks!

I was told by a sprint rep that the deductible for the Epic would be $150 - and you only get one replacement. Then they drop your insurance.

Actually... there is actually a loophole to have all your phones covered with only 1 insurance on your lines but I won't write it on here (sorry guys) and nothing is covered with the first 30 day policy except a return/exchange. Damage, theft, etc must be done thru insurance not thru the 30 day policy.

DirtyShroomz said:
Actually... there is actually a loophole to have all your phones covered with only 1 insurance on your lines but I won't write it on here (sorry guys) and nothing is covered with the first 30 day policy except a return/exchange. Damage, theft, etc must be done thru insurance not thru the 30 day policy.
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Sorry to bother u bro, when u get a chance can u pm me about this?
Sent from my SPH-M910 using XDA App

quasi13 said:
There will be 3 Epics in my household come 8/31. I am wondering if we could get away with purchasing insurance for just one of the Epics, and have it cover all 3.
Do they record the serial number of the phone and tie it to each insurance policy? What about any other info that could tie a specific phone to the policy rather than just the phone model?
If not, I don't see how we couldn't have 1 policy cover all 3 phones. Thanks
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Get the best buy insurance instead of the sprint insurance and you can do this. The best buy salesman actually suggested it to me when my wife and I bought the same phone. We are on a family plan and he just added one insurance policy. He said if either breaks just bring it in and we get a new one. Pretty sweet deal in my opinion.

Kcarpenter said:
I was told by a sprint rep that the deductible for the Epic would be $150 - and you only get one replacement. Then they drop your insurance.
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You were told the wrong info. That rep was a moron.

richse said:
Get the best buy insurance instead of the sprint insurance and you can do this. The best buy salesman actually suggested it to me when my wife and I bought the same phone. We are on a family plan and he just added one insurance policy. He said if either breaks just bring it in and we get a new one. Pretty sweet deal in my opinion.
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I assume I'd have to buy the phone from them, too? I have a hard time giving BB my business, so, if that's the case, I'll have to pass.

Lots of odd information in here. Sprint's insurance is tied to a particular phone number, it has nothing to do with the phone, they cover whatever phone is on that number. There is a way to scam their system, but I won't be posting it. Best Buy lied to you. They lie to sell PSP. Their insurance is garbage, it used to be worth messing with back in the days of the Treo 600, but they changed it. I ended up causing such a scene over the change I got a Treo 650 for free. Sprints TEP is good because it covers manufacturer's defects too. I know you have a 1 year warranty, but that always take WEEKS to get settled. If your phone messes up with Sprint and is isn't physical, lost, or water the almost always replace it in store. If the phone can still make and receive calls they usually order a new one for you. I have gotten upgraded MANY times due to a phone being faulty. $7 is a lot of money over the course of a 1 or 2 year contract, especially considering there is still a $100 deductible if it is physical,lost or water. Given my history with phones and the fact that it covers manufacturer's defects and random issues for free, I always keep the insurance. If I was using a free or cheap phone I would pass though.

Just one additional thought OP, what you're describing is insurance fraud, sorry to say. it may not be huge insurance fraud but its fraud nonetheless.
Sent from my HERO200 using XDA App

ls3mach said:
Lots of odd information in here. Sprint's insurance is tied to a particular phone number, it has nothing to do with the phone, they cover whatever phone is on that number. There is a way to scam their system, but I won't be posting it. Best Buy lied to you. They lie to sell PSP. Their insurance is garbage, it used to be worth messing with back in the days of the Treo 600, but they changed it. I ended up causing such a scene over the change I got a Treo 650 for free. Sprints TEP is good because it covers manufacturer's defects too. I know you have a 1 year warranty, but that always take WEEKS to get settled. If your phone messes up with Sprint and is isn't physical, lost, or water the almost always replace it in store. If the phone can still make and receive calls they usually order a new one for you. I have gotten upgraded MANY times due to a phone being faulty. $7 is a lot of money over the course of a 1 or 2 year contract, especially considering there is still a $100 deductible if it is physical,lost or water. Given my history with phones and the fact that it covers manufacturer's defects and random issues for free, I always keep the insurance. If I was using a free or cheap phone I would pass though.
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The best buy insurance gets me a new phone even if I drop it off a building or in a pool. Sounds good to me! Tell me why its bad?
Sent from my HERO200 using XDA App

richse said:
The best buy insurance gets me a new phone even if I drop it off a building or in a pool. Sounds good to me! Tell me why its bad?
Sent from my HERO200 using XDA App
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Have you ever used the Best Buy insurance? It didn't work anything like what I was told or how you described when it actually came time to collect. My Sprint insurance netted me upgrades MULTIPLE times over as we have 15 or so lines. PPC6700>Mogul, Mogul>TP1, TP1>TP2, MotoQ>Intrepid. I have also gotten my phone replaced for something small every time I go to sell them so I can sell either a brand new one or a like new refurbished unit. I have actually made money on every upgrade I have done since my Treo650. I will never use BestBuy or their PSP again. I have bought them on about 10 items, in my life, only 1 time has it worked out for me. Even then it was not what I was promised and they basically just sent my item back to the manufacturer and foot the repair bill. That was after I had to speak with about 10 people finally ending up with a store GM. You can do what you want, but for my money I will stick with what has been working in my benefit since 2004. I will however buy my phones through Bestbuy or Radioshack to avoid the MIR.

I cannot even believe this discussion is real. The PSP for the Epic is $170, I believe that is before taxes are added. That works out to be the same price, save the deductible, and Sprint does in-store swap outs and repairs. They also overnight your phone for free if you do have to file an actual claim. I am on a Premier account so I wouldn't even get the full value of my $170 PSP, even if it wasn't garbage.

May I ask where you guys got the information that the deductible for the Epic is 150+?

A Square Trade warranty might work for you. I don't know if they would take a serial number down for a cell phone or not, but they do require a receipt so having three phones my set off a flag for them. There quote is $144.00 and a $50 deductible applies to some claims. They do have 30% off coupon regularly which would bring it to $100 and you have 30 days from product purchase to buy their warranty.

foolforfood said:
Just one additional thought OP, what you're describing is insurance fraud, sorry to say. it may not be huge insurance fraud but its fraud nonetheless.
Sent from my HERO200 using XDA App
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I was aware that it might be fraud before I posted, but it really depends fine print. I would expect this type of thing would be so obvious that they'd cover it in the fine print.
I gotta run though - I need to move my car to the driveway, fill up my pillow case with golf balls, and wait for the storms to roll in!

foolforfood said:
Just one additional thought OP, what you're describing is insurance fraud, sorry to say. it may not be huge insurance fraud but its fraud nonetheless.
Sent from my HERO200 using XDA App
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Wow. lol - He probably make you drive in the right lane and god forbid you speed.
quasi13 said:
I was aware that it might be fraud before I posted, but it really depends fine print. I would expect this type of thing would be so obvious that they'd cover it in the fine print.
I gotta run though - I need to move my car to the driveway, fill up my pillow case with golf balls, and wait for the storms to roll in!
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That's funny right there!

35% off Square Trade Coupon here http://slickdeals.net/forums/showthread.php?t=2194239 Not sure if you can buy in advance but liek I said, these coupons come up every couple weeks.

Buy insurance for your epic..no more instore warranty repairs/replacements

Not sure how many people are aware, but as of tomorrow sprint is changing its service and repair program thus stopping in-store warranty work, your phone will only get repaired/replaced at a service center if you have TEP, otherwise you will have to go directly through Samsung which has a 17 business day turn-around time. If you do have TEP physical damage will be covered (cracked screens ext.), batteries will be covered..everything short of water damage and damaged beyond repair (aka the main board is broken) with no deductable
PDF Flyer: http://www.megaupload.com/?d=KUODMNAN

The file you are trying to access is temporarily unavailable.
The file you are trying to access is temporarily unavailable.
Been gettting that message all morning trying to download it.

d94 said:
Not sure how many people are aware, but as of tomorrow sprint is changing its service and repair program thus stopping in-store warranty work, your phone will only get repaired/replaced at a service center if you have TEP, otherwise you will have to go directly through Samsung which has a 17 business day turn-around time. If you do have TEP physical damage will be covered (cracked screens ext.), batteries will be covered..everything short of water damage and damaged beyond repair (aka the main board is broken) with no deductable
PDF Flyer: http://www.megaupload.com/?d=KUODMNAN
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You have it wrong. The main change is $35 charge. the average person will still used this less than once every two years. The insurance still doesn't make much more sense than it made int he past.
Sprint will treat non tep repairs for warrant issues exactly the same except for a $35 charge.
Sprint will replace phones for the same no deductible reasons as it did before with the exception of a $35 charge.
Paying the insurance still means all the odds have been figured and you are paying extra for insurance company profit, insurance company overhead, people who take inordinate risks with their phones, and people who game the system.
Insurance is always like playing against the house, insurance for losses that are not catastrophic rarely make sense

The huge benefit to the change now is that physical damage is now covered in store with no deductable. (Cracked screens, ex) which saves you 100 big ones.
Sent from my SPH-D700 using XDA App

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cognitivel0gic said:
The huge benefit to the change now is that physical damage is now covered in store with no deductable. (Cracked screens, ex) which saves you 100 big ones.
Sent from my SPH-D700 using XDA App
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x2, now all the people that brick their phones can chuck their phone on the ground and get it replaced for free.
/fail

This is all well and good but I would like to see a few people go into the repair center with some cracked screens to see if they get fixed. The phrase that scares me is "not repairable damage". The leaves things very loose, I would hate to take the insurance off my phone, accidentally drop is and then have the person at the repair center tell me that this is not repairable. I don't take paying 7 a month extra as a bet against the house, its more like piece of mind that I would never have to pay $450+ dollars out of pocket for my phone if something were to happen.

scriz said:
x2, now all the people that brick their phones can chuck their phone on the ground and get it replaced for free.
/fail
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"a $50/$100 Claim via Asurion (Insurance Provider) for Damaged beyond repair devices such as ones with a damaged circuit board, liquid damage/corrosion, or a smashed device in 3 or more pieces. And anyone with a lost or stolen device will also get the same above $50/$100 Claim via Asurion."
"For those who are not under TEP and have such issues as a damaged circuit board, liquid damage/corrosion, a smashed device in 3+ parts, or a stolen/lost device they will either have to Upgrade or purchase a new device at MSRP."

So do you guys think the TEP is still worth it?
I had it for a year on my TP2 and never used it.

fastmikey1969 said:
So do you guys think the TEP is still worth it?
I had it for a year on my TP2 and never used it.
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The cost to service is less for a non Tep customer than the deductible. Unless you are prone to lose or water damage your phone the choice seems clear.
Sent from my SPH-D700 using Tapatalk

For me it's been worth it. Over the last year, my wife has had her Moment stolen twice, and my son ran into the ocean with his Blackberry. Without TEP, I would have had to buy 3 phones at full price.

I'll never get rid of TEP. I've saved so much money from replacing phones. I seem to be cursed with bad screens, hinges, screens going white, etc... Alot of it happens out of warrenty.
I love TEP!
Sent from my bathroom, with toilet paper.

fastmikey1969 said:
So do you guys think the TEP is still worth it?
I had it for a year on my TP2 and never used it.
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To me, it's just like a concealed handgun license. Better to have it and not need it, then need it and not have it.

AmnChode said:
Better to have it and not need it, then need it and not have it.
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That is an extraordinarily irrational attitude toward spending. Why not then buy a second phone to: "have it and not need it"?
The fact is the insurance companies have already figured out whether you will "need it." They have the data and statistics. They figured out the odds, built them against you, added profit, overhead, fraud etc
And again this entire post relative to non TEP holders is for phones bought after Oct 25, sprint can't retroactively change existing purchases and charge for what they specifically advertised for as free when n those purchases were made. Sprint specifically said warranty work would be zero cost without TEP to people buying before last week.

aero1 said:
That is an extraordinarily irrational attitude toward spending. Why not then buy a second phone to: "have it and not need it"?
The fact is the insurance companies have already figured out whether you will "need it." They have the data and statistics. They figured out the odds, built them against you, added profit, overhead, fraud etc
And again this entire post relative to non TEP holders is for phones bought after Oct 25, sprint can't retroactively change existing purchases and charge for what they specifically advertised for as free when n those purchases were made. Sprint specifically said warranty work would be zero cost without TEP to people buying before last week.
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No its not irrational. Would you rather walk in the store and walk out knowing your free replacement will be here the next day, or would you rather walk in the store, spend $35 and have it delivered?
Your attitude towards it would be like not having car insurance. I've had full coverage insurance on both of my vehicles since I've owned them, yet have not had any accidents or had to file any insurance claims..should I just not have insurance just because I haven't "needed" it?

scriz said:
No its not irrational. Would you rather walk in the store and walk out knowing your free replacement will be here the next day, or would you rather walk in the store, spend $35 and have it delivered?
Your attitude towards it would be like not having car insurance. I've had full coverage insurance on both of my vehicles since I've owned them, yet have not had any accidents or had to file any insurance claims..should I just not have insurance just because I haven't "needed" it?
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I'll save the couple hundred dollars I'd spend total with TEP, pay the $35 and wait a few days.
I'm a single dad with two kids...the money's more important than the phone.

scriz said:
Your attitude towards it would be like not having car insurance. I've had full coverage insurance on both of my vehicles since I've owned them, yet have not had any accidents or had to file any insurance claims..should I just not have insurance just because I haven't "needed" it?
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No it isn't. Car liability insurance protects you from loses in the millions, loses that do NOT decrease over the lifetime of your ownership.
Your phone goes from $600 to ~$200 in a year. The $600 phone I bought 18 months ago sells for $50 ebay.
scriz said:
Would you rather walk in the store and walk out knowing your free replacement will be here the next day, or would you rather walk in the store, spend $35 and have it delivered?
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You are confused about Sprints coverage in order to rationalize an irrational purchase. Last time I walked into a sprint store with a non functional phone -- and I have NO TEP or insurance with them, I walked out with a new in box 20 minutes later and paid no fee whatsoever.
You can't argue against the math. That it is not worth it and costs the average user more than benefit is an objective fact. If it weren't, it would cost more.
Please don't call the math irrational, when it is purely rational and the basis for profit of insurance companies, who employ better mathematicians and statisticians than NASA.
Al;so you are incorrect about the $35, that fee only applies to customers who purchased after Oct 25. (and even so it is worth it.)

aero1 said:
Al;so you are incorrect about the $35, that fee only applies to customers who purchased after Oct 25. (and even so it is worth it.)
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Just to put it out there, I am a technician at a Sprint corporate store and we definitely charge the $35 even for those phones purchased before the date.

ramsestut said:
Just to put it out there, I am a technician at a Sprint corporate store and we definitely charge the $35 even for those phones purchased before the date.
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Thank you. I was about to post the same thing.
People, it doesn't matter when you purchased your phone. If you do not have TEP you will be assessed a $35 charge. And now, at least at my store, if a person comes in wanting to have their phone looked at under the manufacturers(sp) warranty, we provide them with the phone number to the specific manufacturer, andvise them of the 1-3 week wait period and inform them once again about the benefit of TEP. The only bright side is that after the initial $35 charge you now have 30 days in the event you do want to add the TEP to prevent any future hassels.

Good news for Sprint insurance holders and non-holders

http://www.talkandroid.com/19013-sp...idForums+(Android+News,+Rumours,+and+Updates)
What will people complain about next when it comes to Sprint?
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Holy ****. Sprint, why are you guys so nice?
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this really is a brilliant strategy

I have a smashed spare EVO (both LCD and Glass is cracked), so according to this I could take it to the Sprint store and get it repaired for $35 WITHOUT insurance? Hmmm... sounds way too good to be true. If it is, I wonder if that still applies if I got the phone via bestbuy.
Edit: Now that I think about it, aren't there TWO different insurance options. I'm guessing you need the the lower one (non-TEP) for this to apply at all.

Wonder if this applies to missing rsa keys, for 4g.
I would think that would fall under software upgrades. Hopefully it does, so i can get 4g back

I currently have insurance on my TP2, but now I'm thinking about removing it for the new phone. NOT having it actually sounds MORE cost-effective, unless serious/water damage occurs.

Phatmans law: Once you cancel the insurance comes the time you need it most.

Oh so sweet

I can confirm this. Im a technician at a corporate store. and we started this the 23rd.
Its quite amazing. But to note, we only repair phones at no charge with TEP or w/o if its 3 parts or less.

Probably trying to head off a class action lawsuit from the reboot issue.

I rarely see the value in TEP. $7/month doesn't sound like a lot of money, but it comes to $84 a year. When my wife lost her Moto Q9c a couple of years ago, I bought her a different Q9c on Craigslist for $75. TEP would have required me to pay a $100 deductible on top of the $7 monthly fee that I would have been paying all along.
My biggest fear with the Evo is breaking the glass or LCD. Now that Sprint offers to replace it for $35, that fear is all but gone. Don't forget that most phones come with a 1 year warranty and Sprint repair centers will do their best to repair warranty issues in the store (they replaced my Touch Pro keyboard for free). If you're a Premier Sprint customer, you're also eligible for annual upgrades. In a year, I expect Sprint will have a fancier dual-core phone available at which point my Evo will become Craigslist or eBay fodder to fund the cost of my upgrade.
TEP might make sense if you're accident prone, absent-minded, or abusive, but for me, well, I'm still taking my chances (knocks on wood).

phatmanxxl said:
Phatmans law: Once you cancel the insurance comes the time you need it most.
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I had tep for months on my touch. I canceled it on a Thursday, Friday morning it locked and wouldn't power up. The only good side is I got my evo as a result
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DirtyShroomz said:
http://www.talkandroid.com/19013-sp...idForums+(Android+News,+Rumours,+and+Updates)
What will people complain about next when it comes to Sprint?
Sent from my PC36100 using XDA App
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Great news sprint is just getting better and better

I don't see what all the hype is about because it's the same rip off deal TEP subscribers had to begin with. No matter what's wrong with your phone the crappy Sprint tech's will find a way to say it's water damage or it's user damage to make you pay that $100 insurance charge. Sprint insurance/repair centers are the biggest rip offs around. Now if they said for the people that pay them $7/mo you get no hassle phone exchanges and when the cheaply made usb ports break, you don't force insurance down our throats when you can either fix i or replace the phone for free. ok, off my soap box now but I still don't see any changes worth even announcing

It doesnt count for extreme physical damage, like a shattered/spiderwebbed LCD, or liquid damage, thats what Asurion is for.

nxtech3 said:
It doesnt count for extreme physical damage, like a shattered/spiderwebbed LCD, or liquid damage, thats what Asurion is for.
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What about a broken camera lens cover? Think they'd cover that?

nxtech3 said:
It doesnt count for extreme physical damage, like a shattered/spiderwebbed LCD, or liquid damage, thats what Asurion is for.
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So what's the difference between cracked lcd and shattered one?

samrozzi said:
I can confirm this. Im a technician at a corporate store. and we started this the 23rd.
Its quite amazing. But to note, we only repair phones at no charge with TEP or w/o if its 3 parts or less.
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so do they repair 4g issue?

samrozzi said:
I can confirm this. Im a technician at a corporate store. and we started this the 23rd.
Its quite amazing. But to note, we only repair phones at no charge with TEP or w/o if its 3 parts or less.
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Click to collapse
Do is cover the repair of shattered/broken LCDs? Or is the other poster correct in saying that it doesn't include excessive damage?

Zomfgawad a carrier actually treating their customers like people instead of stock numbers?!?!? THE NERVE!