The Power behind the phone insurance throne in phone services US

Asurion Insurance Company is the mobile phone insurance power behind almost all the insurance operations of the big service providers. They provide the underwriting and backroom claim support for the millions of phones under insurance through all these mostly giant corporations. They provide the policies governing the cell insurance terms and conditions.

One cell insurance underwriter & insurer should mean similarity between competitors in US cellular insurance arena? Not so

Similarity in phone insurance offered by the phone service providers should be expected as the procedures and underwriting of Asurion is the basis for all the promoted policies. Nothing is further from the truth. If you look at the phone insurance landscape across all phone service providers - excluding independent cell phone insurance operators - it is indeed a fragmented cell insurance landscape. Each service provider has carved out a different interpretation of the Asurion phone insurance product to create their own spin and differentiate the cellular insurance benefits offered to their respective clients. Variability across the spectrum of cell insurance programs backed by Asurion Insurance are as follows:

1. There are “one cell insurance product” companies (e.g. Verizon Insurance) and there are three product companies (like AT&T and T mobile)
2. Extended warranty stand-alone for some but not all (e.g. Yes for T mobile and Sprint; no for AT&T and Cellular One)
3. Extended warranty, phone damage, lost & stolen for only one company (T Mobile)
4. Extended warranty, phone damage, lost & stolen, plus extended warranty (for most)
5. Data back-up insurance (for AT&T insurance only)
6. Extended warranty, phone damage, lost & stolen, plus extended warranty, plus Data back up (for AT&T insurance only)

Phone insurance variability does not stop there

Cell insurance options even for the same type of product differ substantially:

• Deductibles: Zero to $130 deductible where some companies are simple and others complex
• Claim limits: From $150 - $1500 per claim
• Phone tiers of phone insurance: From one tier of phones on offer to offering four tiers of phones
• Used phones and new phones for all
• Activation periods for taking phone insurance is less than 2 weeks in some cases and between 2 weeks and 4 week in others. None above 4 weeks.
• No iPhone insurance at all, not even for exclusive iPhone distributor ATT
• Premiums are all monthly but range from $4.99 - $7 for the same multi-product in most companies and $2 and $4 for extended warranties

Ensquared mobile phone price comparison tool clears the confusion and creates perspective

The Ensquared cell Insurance price comparison tool puts all this phone insurance confusion and variability into a cellular insurance perspective and balance that makes sense. It very quickly gives Asurion backed subscribers or potential subscribers the facts regarding the suitability of wireless insurance options offered by different providers under the Asurion insurance wing, matching to their specific needs and rating this against all other phone insurance options available to them. With so many wireless insurance products finding the right one for your specific cell insurance needs is essential. Also there is outside phone insurance options to consider. Ensquared phone insurance comparison tool now makes it  very possible to contract with phone service providers and buy your cell insurance coverage elsewhere – mostly through the Internet. Notably even though Asurion is behind a lot of the phone insurance in the US subscribers cannot buy cell phone insurance offered by other service providers – only the one they subscribe to.

The Ensquared cell insurance price comparison calculator will give Asurion backed subscribers cheap phone insurance solution no matter what their cell phone insurance needs are. Click on Cell phone insurance calculator and cell phone insurance arena is an open book; get cheap phone insurance solution to match your needs and budget today. In many cases any one of Asurion backed wireless insurance options will meet your mobile phone insurance needs, but if not the cell insurance calculator will give you an alternative solution.