It is always a crapshoot with insurance. You buy it, hoping you’ll never need to use it.
I’ve gone both ways with my phones. I usually buy a new iPhone every other year, and I’ve purchased insurance just once in the last 10 years. Oh, and I never had to make a claim.
AT&T’s Protect Advantage is available for most devices sold by AT&T. It costs $17 per month for a top-tier phone. They also have a $45 per month plan for up to four phones. If you have coverage for one phone, you can submit a claim for accidental damage two times and physical damage or loss/theft three times per consecutive 12-month period.As for deductibles, a screen repair is $29, device replacement depends on the cost of the device, but a top-tier phone is $275. Battery replacements under the plan have a $0 deductible.
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