Phone Insurance
Worth it for seniors? Often yes.
AppleCare+
$10-$13/month. Best for iPhone. $29 screen repair, $99 other damage.
Carrier insurance
$10-$20/month. AT&T, Verizon, T-Mobile. Often more expensive than AppleCare+.
Asurion
Common third party. $200 deductibles often. Read fine print.
SquareTrade
$8/month. 30-day return policy. Allstate-owned.
Credit card protection
Premium cards (Chase Sapphire, Amex Platinum) include phone protection. FREE.
Skip insurance if
Old phone or careful person. Insurance only worth it if you drop phones.
Quick Tip: AppleCare+ within 60 days of phone purchase only. Don't wait.