Everyone has heard the horror stories of what happens to peoples iPhones.  The iPhone gets dropped into the toilet, a child draws on the screen using marker, or perhaps the iPhone gets dropped out of a pocket while hanging holiday lights.  All of these scenarios are potential iPhone killers.  Also, with the large touch screen of the iPhone, most covers cannot fully protect your phone.  Therefore, any trauma can incur expensive repairs and replacements.   Then, of course, there are the things that happen to phones that are not the owner’s fault.  Things such as stolen phones cost iPhone users a lot of money in replacements every year.  There is a way to protect your phone.  A lot of iPhones are eligible for iPhone insurance.

It is often possible to get an insurance program with your phone company.  These programs are often billed monthly and they are often included directly on your monthly phone bill.  The only problem with this iPhone insurance is that it is sometimes limited on what types of things that it will cover.  Often this means that it will not cover water damage only accidental damage.  However, this insurance is usually cheap and convenient because it is applied directly to your phone bill.  While this is a convenient and viable option, there are other iPhone insurance options out there that will protect your phone.

There are independent iPhone insurers that will offer good value and reliable insurance for your iPhone.  These plans are much more flexible both in coverage and price.  You can decide what type of deductible you would like to have and that could greatly lower the price of the iPhone insurance. It is much better to only have to pay an excess than to replace an iPhone than it is to spend four hundred pounds to replace one. Some of these plans are pay by month and others can be purchased through one fee.  
Other iPhone insurance plans can be individualized for the things that you wish to protect your iPhone from.Some people feel that they are very accident prone so they wish to only insure their iPhone against water damage and accident damage.  Others wish to protect their iPhone from things such as theft.  Different plans are available through different companies offering insurance.

IPhone insurance plans are available in a variety of places.  Some of them are available through the mobile phone service provider.  Others are available from the store if you bought your iPhone from a retailer.  Even more are available online.  A simple search online can bring up a lot of sites that offer insurance for your iPhone.  Many of these companies offer great deals through reputable companies.  Be sure before paying for any type of insurance that you do some research and price comparing.  Also make sure that you read any contracts thoroughly before paying for any service.  Check that the company you are buying iPhone insurance from is a reputable company.  Insuring your iPhone is key to protecting your investment.

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