Hot Iphone Insurance "Buy Now" Tip:

Look no further than the two best iphone insurers in the US for two important but different categories. Buy right here on: Square Trade for iphone extended warranty & iphone damage insurance, or Safeware iphone damage & iphone theft insurance (no age restriction on the phone).

Hot Internet phone Insurance "Buy Now" Tip (all except Iphone):

When you are looking for Blackberry insurance, Palm Pre phone insurance, LG and others across the board (except iphone) go right here to Square Trade for all phones other than iphone for extended warranty and phone damage. There is good coverage, better time flexibility, good reputations and Ensquared make it as easy as ABC for you to buy cell phone insurance through the Internet.  Practically speaking once connected these short time grace periods expire very quickly and most cell phone owners unaware of activation restrictions are often none the wiser. Those who apply too late feel stranded but indeed there are often real good options. Take out phone insurance when you activate to be safe but in any event look at Square Trade and Safeware to give yourself maximum latitude.

What do the following phone insurance providers have in common?

AT&T, Verizon, T Mobile, Sprint, Cellular One, Metropcs, Alltel, TracFone and Cingular Wireless. Answer: They are all backed by one phone insurance company - Asurion Insurance. One shoe supposedly fits all. Does that mean there is no difference between all the cell phone insurance products offered?

There are vast differences in cell insurance offered at each provider in number of phone insurance options, prices and deductibles, etc. The bottom line is that each phone insurance provider adapts and interprets Asurion terms and conditions to suit itself. Did you know? All phone insurance providers severely restrict the number of cell insurance customers able to get phone insurance for their devices because of very tight activation restrictions. In many cases when signing a service contract the phone subscriber has up to 14 days from day of activation to buy a phone insurance plan with his chosen provider. T Mobile insurance and Verizon insurance are good examples. AT&T and Sprint are more lenient, but not by much – 30 days limit. At Metropcs you must take out phone insurance on the day of activation or you are out. This is a cellular insurance limitation of huge magnitude.

Interesting Fact #1:

Iphone insurance through Apple Care allows you to sign up any time in year one, but it is misleading in three ways: Firstly, it only really gives you cover after year one for one year; secondly, it is not really iphone insurance at all – just another smartphone extended warranty; thirdly, at $67 pa it is very expensive. Square Trade and Safeware for iphone insurance is a far more comprehensive option and is substantially cheaper. Buy them now on the links in Iphone Hot Tip above.

Interesting Fact #2:

Although Asurion is everywhere you wouldn’t know it. Cell phone service providers differ in the number of wireless phone insurance options, cover combinations, premiums, deductibles, activity limitations, claim limitations and numerous other key items relating to your cell phone insurance choice. It is very complex and confusing.

Interesting Fact #3:

Poor point of sale information is a serious cell insurance obstacle. Of all contracts concluded for locked cell phones in USA only about 20% are sold with service provider phone insurance. Indeed, this could be far higher if there was more time spent on the phone insurance issues raised here at dealer level.

Interesting Fact #4:

Timing is everything in phone insurance. If the activation period has worked against you then your options are limited to wireless phone insurance on the Internet by and large. However, locked phone service providers like AT&T and Verizon insurance – all the major ones in fact – will give you cell phone insurance on both used and new phones alike; independent phone insurance providers like Square Trade are really only new phone insurers. This is a big option lost.

Use the Ensquared phone insurance Calculator to compare all phone insurance plans

Be aware of the cell insurance rules and compare mobile phone insurance by using the Ensquared phone insurance calculator. This is the ultimate tool in the mobile phone insurance arena and it makes accurate cell phone insurance price comparisons and so much more. Certainly issues like activation will be brought to your attention quickly by just answering Ensquared's phone insurance 7 simple questions. The Ensquared cell insurance calculator is absolutely free and it can make the difference in deciding which phone service provider you end up contracting with. Every aspect of wireless phone insurance is covered as well as Palm Pre insurance, BlackBerry insurance and iphone insurance options.