Third-party warrantor SquareTrade offers an affordable iPhone protection plan that you should consider as an alternative to AppleCare+. The SquareTrade plans provide three years of coverage for $129, two years for $99 or $8 per month on a pay as you go plan. The warranty extends the manufacturer warranty as well as provides up to three accidental damage claims with a $75 deductible.
SquareTrade is less expensive than AppleCare+, but it is not as convenient as AppleCare+. To receive service with SquareTrade, you can send your phone in to be fixed after you’ve paid the deductible. This is the easiest option, but you will be without your phone for several days. You also can go to the Apple Genius bar or a third-party repair shop to have your phone fixed and SquareTrade will reimburse you for the repairs. Reimbursable repairs include a cracked screen, camera failure, battery failure, liquid damage, charging port failure, touchscreen malfunction, headphone jack problems and others. Similar to AppleCare+, SquareTrade does not cover the loss or theft of devices.
If you own a Visa, MasterCard, American Express or other credit card, you should check the terms of your card to see if they offer any form of insurance when you use the card to purchase a device. Plans will vary, but you may be eligible for insurance at a rate that is much lower than competing services.
Purchasing a warranty is useful, but not a necessity. It all depends on how much you want to spend, how well you take care of your iPhone and what retailers or stores in your area. If you opt not purchase a warranty, then you should invest in a durable case and screen protector to protect your phone from a casual drop or water damage. Is your current iPhone covered by a warranty plan? Do you plan adding one when your purchase your next phone? Let us know in the comments.
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