Mobile Phone Insurance - Best Way to Secure Your Mobile Phone I am among those people who are rather clumsy. I have dropped my phone on the amount of occasions and of course I didnt think a lot of it. Not until I cracked screen and after that realised I didnt have BlackBerry insurance. How could I be so stupid. BlackBerry phones cost an absolute fortune, and yep, I have had to fork out for a brand new one since the screen cant be fixed. Cell phone insurance coverage is a complete waste of money with regards to the iPhone. The iPhone 4 costs $199 for a replacement, you may have to incorporate up all the money youve taken care of your monthly premium. If youve had your iPhone for any year prior to deciding to broke it, you can include over one hundred dollars compared to that bill. That is a extremely expensive repair bill if you opt to go this route. Why do you pay this? When people agree to purchasing cell phone read here insurance the $199 dollar replacement cost isnt a subject that comes up. These insurance for mobiles are available in various selling prices dependant on the factors like theft, accidental damage and the like that is being protected by that policy. The basic insurance coverage could only cover any accidental damage or repair that happens to the product and all sorts of another coverage must be availed in an additional cost. In order to identify the very best among these online plans, it really is forced to compare the pros and cons of every from the policies and match exactly the same with the expense of them, such that you may very clearly identify the cheap and finest one amongst the group. There are many websites which provide many useful tools in order to make these types of comparisons so because of this if you may make utilization of these resources you can effortlessly get a cheap cellular phone insurance. Also, a lot of people believe they do not must buy separate cellular phone insurance, because they think that the price of replacing a lost or damaged phone will likely be included in their existing household contents insurance. In some cases this is true, but its imperative that you bear in mind that household policies usually have high excess charges, which might be incurred if you claim due to a lost phone. Not only that, some policies have large no-claim discounts, which could need to be forgone in the event you designed a claim to get a cellphone. For these reasons it is uneconomical to rely on household insurance to cover something like a cellphone, as it may end up costing you a lot more cash which you might think.