SquareTrade offers accidental protection

iCop

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Jul 7, 2007
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I guess I should have read the first post more carefuly, else I would never have even bothered to check out the Website.

Unless I am missing something this plan is $60 for essentially a warranty extension to 3 years (seems fair). But adding ADP adds another $90--bringing the cost to about 1/4 the price of an iPhone itself.

But if I wanted to use ADP there would be a $50 deductible too--making it nearly 1/3 the cost of the iPhone. Color me a risk taker but for $190 I ain't buying!

I live in AZ and will see what I can do with my HO's policy. I can see paying $50 or so per year. I doubt I'll have this iPhone for much more than a year anyway. While I realize I could get a refund from Square Deal I don't like having to do that.

IMHO, YMMV, etc., etc.


--
Mike
I am in Arizona too (Tucson). Please let me know if you find other solutions. I tried with State Farm and they will not cover it in Arizona.

Also, I called the company back (SquareTrade) and was told they do in fact cover the iPhone and there is the option for Accidental Damage Protection. The total cost for 3 full years (if you paid $645 for your phone including tax) is $160.99. Sounds expensive, but that works out to $4.47 per month (cheaper than most plans from phone carriers). Yes there is a $50 deductible, but that is usually the same with phone carriers as well.

The guy did tell me that under the accidental damage protection plan negligence is not covered. My issue is, wouldn't dropping the phone on the ground constitute negligence?

One more thing: When I questioned the guy as to whether or not I can get the accidental damage protection since it has been over 30 days from date of purchase he said yes. I told him the site wont let me unless I altered the date of actual purchase to reflect under 30 days. He then said to go ahead and alter the date and include in the comments section my actual purchase date. He even checked with someone else and said he confirmed that was fine!

Here is a letter they sent me after the call:

Thank you for contacting SquareTrade.

We appreciate your interest in SquareTrade's Accidental Damage Protection coverage, "ADP" for short, and the simple answer is yes, a Care Plan with ADP is available for any iPhone bought new with a 90+ day factory warranty.

ADP covers eligible items from liquid spills, drops, or any other accidental damage from handling. Adding ADP to your Care Plan costs an additional 15% of the item's price (on top of the base Care Plan cost) for laptops and cell phones, or 10% for all other items.

ADP coverage starts 30 days after date of item purchase, and does not cover pre-existing conditions, willful damage, negligent use, theft or loss.

Accidental Damage Protection cannot be added after the Care Plan has been purchased. SquareTrade does NOT offer ADP together with any other options (such as a 4th year of coverage) at this time.

There is a $50 deductible when claiming accidental damage; issues determined to be normal-use mechanical or electrical failures are covered under the standard SquareTrade Care Plan terms, and are not subject to any deductibles.

Hope that answers all your questions! If you want to learn more about getting low cost, high value protection for all your electronics, feel free to email again or visit us at
http://www.squaretrade.com/pages/view/learn-more-warranty-buyer


Hope that answers your question! If not go here. You can also reply to this email or call 1-800-649-5307 (US only) weekdays between 6 a.m. and 5 p.m. PST.

Thank you,

Bob
SquareTrade Care Specialist
 

Revin9k

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Jun 24, 2007
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30 bucks at state farm. cant beat that. 0 deduc.

call your local agent. they should be able to write up a policy just for the phone regardless if you have any insurance through them or not.
 

burniksapwet

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Jul 5, 2007
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30 bucks at state farm. cant beat that. 0 deduc.

call your local agent. they should be able to write up a policy just for the phone regardless if you have any insurance through them or not.
How are you guys able to do this?!? I called a bunch of State Farm agent and they all told me that you need some type of insurance from them home, renters or I think even a car insurance. Did they let you know of the bat that they can do that?
 

iCop

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Jul 7, 2007
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Tucson, AZ.
30 bucks at state farm. cant beat that. 0 deduc.

call your local agent. they should be able to write up a policy just for the phone regardless if you have any insurance through them or not.
Those of us in Arizona cant get it covered with State Farm even if we have our cars alredy insured with them (unless we have pre-existing coverage for phones). We are running out of options here.
 

Tinman

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Jul 16, 2007
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Aridzona
I am in Arizona too (Tucson). Please let me know if you find other solutions. I tried with State Farm and they will not cover it in Arizona.

Also, I called the company back (SquareTrade) and was told they do in fact cover the iPhone and there is the option for Accidental Damage Protection. The total cost for 3 full years (if you paid $645 for your phone including tax) is $160.99. Sounds expensive, but that works out to $4.47 per month (cheaper than most plans from phone carriers). Yes there is a $50 deductible, but that is usually the same with phone carriers as well.
Yes but at least in the case of the ones I used they did cover items that were lost or stolen.

You also pay monthly, not 3 years in advance with Square Deal. Don't think many people would go for the carrier plans if they had to pay for 3 years in advance.

Anyway, will report back if I have any kind of success with my insurance agent.



--
Mike
 

iCop

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Jul 7, 2007
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Okay, scratch everything I said about State Farm not insuring in Arizona! I walked into another agent on my way to lunch to see if I would get a different answer. She didn't call the underwriter first, just went straight into filling out forms. I am now insured for $650 at a premium of $30/year, and zero deductible! WOO HOO ! Brick wall, meet iPhone! (just kidding)
 

burniksapwet

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Okay, scratch everything I said about State Farm not insuring in Arizona! I walked into another agent on my way to lunch to see if I would get a different answer. She didn't call the underwriter first, just went straight into filling out forms. I am now insured for $650 at a premium of $30/year, and zero deductible! WOO HOO ! Brick wall, meet iPhone! (just kidding)
Wow, that's it? That's all you did? What information did she get from you? How did it excatly go down?
 

iCop

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Wow, that's it? That's all you did? What information did she get from you? How did it excatly go down?
Yep, that's it! She just asked me a few questions about where I work, businesss or personal use (they will only insure it if it is personal use), the serial number off the back, and how much i want it covered for. The policy coveres accidental damage, water damage, lost, theft, everything! And for an extra $20 per year i can get identical coverage for my laptop! I signed my paperwork, told her i loved her and walked out a happy man!
 

burniksapwet

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Yep, that's it! She just asked me a few questions about where I work, businesss or personal use (they will only insure it if it is personal use), the serial number off the back, and how much i want it covered for. The policy coveres accidental damage, water damage, lost, theft, everything! And for an extra $20 per year i can get identical coverage for my laptop! I signed my paperwork, told her i loved her and walked out a happy man!
Did they ask you anything about having any home owners insurance or anything like that?
 

iCop

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Tucson, AZ.
Did they ask you anything about having any home owners insurance or anything like that?
Nope. I just told her my cars were insured with another State Farm agent. She did not verify that by the way, so I don't think it is even a requirement. I told her I will be transfering my auto insurance from my agent to her (after the deal was done)
 

burniksapwet

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Nope. I just told her my cars were insured with another State Farm agent. She did not verify that by the way, so I don't think it is even a requirement. I told her I will be transfering my auto insurance from my agent to her (after the deal was done)
That's why you got one.:laugh2: You are already insured with State Farm in a way because of your car.
 

brojimh

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Aug 1, 2007
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I just called them and they said i'm covered with my purchase from the Apple store. I emailed them as well and will wait to see what they say.

Since i can't get a policy for the phone through my homeowners policy (liberty mutual) then this is all i can get. I can get a refund too if for some reason they say i'm not covered but they just said i am. I had to get this by the 11th.
I had a warranty with Square Trade as well but cancelled it. They will tell you that they DO cover items purchased at Retail Stores. But I still wanted to cancel. . .you can do it online---

- Go to www.squaretrade.com
- Click "log in" in the upper right hand corner
- Click "request a password" if this is your first time registering and follow the directions
- Log in using your email and password
-Select the "My Warranties" tab at the top page
- Select the Cancel tab and follow the on screen prompts

Easy and painless!
 

Revin9k

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Jun 24, 2007
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state farm just needed me to show them proof that i have homeowners insurance with another company.
 

nippyjun

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Jul 21, 2007
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If you do insure w/ squaretrade or any other insurer they most likely will not cover the tax that you paid just the $499 or $599 base price of the phone. I called squaretrade and they said just put in $599 for the phone for me.
 

Redfor

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Jul 31, 2007
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They probably don't cover lost or stollen for 2 reasons, 1. easy to say you lost it or it was stolen, but you still have it to get another one for the cost of the deductible ( unfortunately, not everyone is honest ), 2. you need the phone to refurb it and pass it back out to your customers with claims...
Alot of the phone insurance companys use refurbs.

Me personally, Baby my phones... Ive never had a need for insurance and knock on wood, hopefully never will...


probably just jinxed myself too.... grrrr..
 

vansouza

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Jul 11, 2007
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www.usheroes.us
Home insurance

Could you PLEASE tell me who you spoke with? I need coverage but they turned me down! I would love for SOMEONE there to get me insured!
I called my home insurance to get two iPhones covered and they told me they were covered with no extra waver or premium. Against all things but loss... unless they break into the house to get it.

If you have renters insurance you should just call your insurance company broker.
 

brojimh

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Aug 1, 2007
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Did you talk to an agent over the phone or did you just storm into an office and asked for one?
I just did it over the phone. I had to take a copy of my receipt and the serial number off of the phone and drop it off (after hours) into their drop box.

The next day the agent called me, I paid my premium over the phone with my checkcard and she mailed the receipt and policy to me.

Can't be any more painless than that!
 

brojimh

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Aug 1, 2007
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Morris, AL
I called my home insurance to get two iPhones covered and they told me they were covered with no extra waver or premium. Against all things but loss... unless they break into the house to get it.

If you have renters insurance you should just call your insurance company broker.
You may want to check on that, my understanding of adding them to your Homeowners/Renters policy is that it will only cover damage done inside the dwelling.

So if you lose it/have it stolen, no coverage. If you drop it in a pool, no coverege, if you drop it in the street, no coverage.

Not doubting you, just wanting to raise a point that might affect you.