Mobile phones have become an essential part of our daily lives, and their costs continue to rise as new models are introduced with advanced features. Whether you have a high-end flagship device or a budget-friendly model, protecting your phone with insurance can give you peace of mind in case of unexpected events like accidents, theft, or hardware malfunctions.
With so many mobile phone insurance providers out there, choosing the best plan can be tricky. In this article, we will review some of the best mobile phone insurance plans available in 2025, comparing their features, coverage, and pricing.
What is Mobile Phone Insurance?
Mobile phone insurance is designed to protect your device against unforeseen damages, theft, or malfunction. Typically, this insurance covers:
Accidental damage: If your phone is dropped, cracked, or damaged in other ways.
Theft or loss: If your phone is stolen or misplaced.
Mechanical breakdown: If your phone malfunctions due to defects not covered by the manufacturer’s warranty.
Water damage: A common issue for many mobile phones, especially with the rise in outdoor usage.
While it may not be necessary for everyone, mobile insurance is especially useful for those with high-end devices or who rely heavily on their phones for work, communication, and entertainment.
Top Mobile Phone Insurance Plans
Here are some of the best mobile phone insurance plans in 2025, covering a range of features and pricing options:
1. AppleCare+ (For Apple Devices)
AppleCare+ is Apple’s official extended warranty and insurance plan for iPhones and other Apple devices. If you own an iPhone, iPad, Apple Watch, or MacBook, AppleCare+ offers comprehensive protection.
Key Features:
Accidental damage coverage: Covers two incidents of accidental damage, each subject to a service fee.
Battery service: Provides battery replacement if the battery holds less than 80% of its original capacity.
Theft and loss coverage: Available for an additional fee, AppleCare+ covers replacement if your device is lost or stolen.
Technical support: Access to 24/7 priority technical support from Apple experts.
Pricing:
The cost varies based on the device, but for an iPhone, AppleCare+ typically costs between $149 to $269 for a two-year coverage period.
The theft and loss option costs an additional $3.99/month or $199 for two years.
Pros:
Direct support from Apple.
Genuine replacement parts and services.
Coverage for accidental damage, including screen and battery issues.
Cons:
Expensive compared to third-party insurance.
The theft and loss coverage requires additional payment.
Best for: iPhone owners who want seamless service and support directly from Apple.
2. Asurion (for iPhone and Android)
Asurion is one of the most popular mobile phone insurance providers and is partnered with major carriers like Verizon, AT&T, and T-Mobile in the United States. Asurion offers both insurance and protection plans for both iPhones and Android devices.
Key Features:
Accidental damage: Covers accidental drops, cracks, and spills.
Theft and loss: Replacement or repair of your phone if it’s lost or stolen.
24/7 customer support: Access to customer support for claims and assistance.
Same-day repair or replacement: In many cases, Asurion provides same-day repairs or fast device replacements.
Pricing:
Asurion’s pricing varies based on the phone model and carrier. For example, it typically ranges from $8 to $15 per month for an individual device.
Pros:
Fast claim process, with many replacements or repairs handled the same day.
Wide network of repair shops and technicians.
Available for both iPhone and Android users.
Cons:
Deductible fees for claims, which can range from $29 to $275, depending on the device.
Limited coverage for damage beyond accidental drops.
Best for: Those who want quick and reliable phone repairs and replacements.
3. SquareTrade (For iPhone, Android, and Other Devices)
SquareTrade offers mobile phone insurance with flexible plans and a reputation for fast service and good customer support. It’s available for a range of devices, including both smartphones and tablets.
Key Features:
Accidental damage: Protection for drops, cracks, spills, and other accidents.
Mechanical failure: Coverage for repairs not related to accidental damage, such as software or hardware malfunctions.
No deductibles: SquareTrade does not charge a deductible for repairs or replacements.
24/7 support: Access to customer service whenever you need it.
Pricing:
SquareTrade’s plans typically cost between $5 to $15 per month, with some plans offering discounts for multi-device coverage.
Deductibles are not required for claims.
Pros:
Excellent customer service and easy claims process.
Coverage for mechanical failure in addition to accidents.
No deductibles for claims.
Cons:
Limited international coverage.
Can be more expensive than some alternatives for lower-end devices.
Best for: People looking for affordable insurance with strong customer service and no deductible fees.
4. Geek Squad Protection Plan (Best Buy)
Best Buy offers Geek Squad Protection Plans, which are available for mobile phones, tablets, and other electronics. These plans cover devices purchased from Best Buy and are often a great choice for those who buy their phone directly from the store.
Key Features:
Accidental damage: Includes protection from drops, screen damage, and spills.
Mechanical failure: Covers hardware malfunctions that are not caused by the user.
Theft and loss: Available with an additional cost.
24/7 customer service: Geek Squad agents provide technical support and repairs.
Pricing:
Pricing for the Geek Squad Protection Plan varies based on the device and its value but generally costs $8 to $20 per month.
Pros:
Solid protection for accidental and mechanical damage.
Quick repair or replacement service from Geek Squad experts.
Available for a wide range of electronics beyond mobile phones.
Cons:
Theft and loss coverage is an additional cost.
Plans are typically only available for devices purchased at Best Buy.
Best for: Best Buy customers who want an all-in-one protection plan for their devices.
5. Mobile Guardian (for iPhone and Android)
Mobile Guardian is a global mobile insurance provider that offers both individual and family plans, allowing customers to insure multiple devices under one policy. They offer a variety of plans that cater to different types of users.
Key Features:
Accidental damage: Covers drops, spills, and damage from falls.
Theft protection: Offers replacement if your phone is stolen.
Global coverage: Insurance is valid internationally, making it great for travelers.
Repair or replacement: Depending on the damage, your phone may be repaired or replaced.
Pricing:
The cost ranges from $5 to $12 per month, with plans that can be tailored for more extensive coverage or higher-end devices.
Pros:
Global coverage, ideal for international students or travelers.
Affordable premiums.
Easy-to-understand claims process.
Cons:
Limited coverage for certain models or high-end phones.
Claims process may take longer than with other providers.
Best for: International travelers and students who need mobile phone insurance for use in multiple countries.
Conclusion
Choosing the best mobile phone insurance plan ultimately depends on your specific needs and budget. If you’re an iPhone user and prefer direct support from the manufacturer, AppleCare+ may be the way to go. If you want a broader range of coverage with fast replacement services, Asurion or SquareTrade may suit you better. Geek Squad is a great option if you’re a Best Buy customer, while Mobile Guardian is ideal for travelers and those needing international coverage.
Whatever plan you choose, ensure that it provides the right balance of affordability, coverage, and customer support to keep your device safe from accidents, loss, and damage.