Verizon’s Wireless Phone Protection program offers coverage for phones that are lost, stolen, accidentally damaged. Verizon Community: Services: Total Mobile Protection: $199 Deductible for IPhone? 3 †NY Customers: Separately available products are WPP $3.10/mo. Re: total mobile protection deductible. No matter what the AT&T store or even call center rep tells you, the Terms and Conditions override all that. No Deductible. Verizon Mobile Protect Multi-Device: $50/month per account. Fortunately, Verizon's Total Mobile Protection plan allows you to insure up to 10 lines at one time. With Verizon’s coverage plans, there aren’t any deductibles on the extended warranty, but you will have an accidental damage repair deductible of $9 to … A deductible will apply and can vary based on the cost of your phone and the type of repair needed. Its Wireless Phone Protection Plan covers a device in the event it is damaged, lost or stolen for $6.75 per month for smartphones ($3 for basic devices); you can receive up to … It’s a device insurance plan that is only available through Verizon, and it protects us on all fronts. We also offer a variety of cell phones, from iPhones to flip phones, with no contract or fees. Rather than coming from the manufacturer, they are designed by the phone carrier or a third-party vendor. With over 50 years of experience, you can expect the most comprehensive coverage options available on the market, paired with exceptional customer service. A: Glass/LCD - $100 - $300. The Cons: At $18 a month, Protection 360 is one of the priciest device protection plans out there. Verizon allows you to Bring Your Own Device (BYOD) and offers a free SIM card if you check your phone’s compatibility on … Wireless Phone Protection (WPP) will be $4.25 or $7.25, depending on device type. Cracked Screen Deductible: $99. Verizon insurance can be a good option if you’re prone to breaking or losing your phone, but you might not need additional benefits like tech support and identify theft protection provided by Verizon Protect or Total Mobile Protection. Whenever you speak with Verizon reps they are only going to offer Total Mobile Protection (TMP). Extended Warranty - Provides protection against device defects after the manufacturer's warranty (one year with Verizon Wireless) expires. Subscribers will receive a new or "certified like-new" replacement of the same or comparable model if their phone is lost or damaged. iPhone 8. iPad. Total Mobile Protection from Verizon offers us peace of mind for our phones. Not a good deal so I plan on cancelling the policy, and you'd think Verizon would have a little more integrity when teaming up with Asurion. If you have more than 3 lines, you can purchase Additional Coverage for $11.40/month for each … ... you’ll have to pay a deductible. According to Rockit Repairs, it will cost $209.99 for a repair. The program rolls out today, giving up to 60 percent of the network’s customer base same-day support for their spiderwebbed screens. The Deductible Is Not Negotiable. Q: Does Verizon let you bring your own phone? Verizon Cell Phone Insurance - File & Track a Claim | Asurion. Upload your documents here. Lowe's. All plans are continuous until cancelled. Comparison chart prices based on SquareTrade Tablet Protection Plan, Asurion plans for Verizon and AT&T, and Advanced Protection Pack from Sprint as of Aug 3, 2016. Cracked your screen? Verizon Wireless Services General. If you factor in the $11/month cost, over the course of two years you would pay a minimum of $463 for just claiming one incident for repair/replacement. The price is much less per month than the Total Mobile Protection plan, and the deductible is the same. Verizon Cloud. 07-08-2015 07:18 AM. It costs $15 per month to cover a smartphone or smartwatch, and it requires a deductible. If we lose or break our phone or if our phone is stolen, Verizon will ship us a replacement phone as soon as the NEXT DAY. View terms and conditions for your plan. Apple. The monthly cost of each device protection option varies by device. https://coveragecritic.com/2020/06/13/is-phone-insurance-worth-it Almost two years ago, I opted into the Verizon Smartphone Total Mobile Protection Plan when I upgraded from a … The Part A deductible for hospitalization in 2020 is $1,408. Protection plans are similar to an extended warranty. You will only pay the deductible if you have insurance. Additional coverage can be purchased for up to 10 lines. Total Mobile Protection Multi-Device for Business costs: $45/month for accounts with 3 – 10 lines, which lets you file up to 9 shared claims on up to 3 lines on your account in 12 months. bought in the past 30 days. Verizon Smart Family. Verizon’s Wireless Protection Plan costs $7.15 per month and adds coverage for lost, stolen and damaged smartphones. Click now to learn more. Asurion is available on AT&T, Sprint, and Verizon under their Mobile Protection Plan, Complete, and Total Mobile plans respectively. Verizon Protect Multi-Device (MD), which provides coverage for 3 lines, is available for accounts with 3-10 lines with eligible devices for $50/month. Device Protection | Insurance Comparison Chart. The plan has become more expensive (from $10 to $11 / month) and the deductible was raised (from $99 to $149). Need more help? for Smartphones (Tier 1) and Watches; EW $3.90/mo. ... your monthly cost and service fee/deductible for your new tier may be adjusted accordingly. Like Apple, screen repair is $29. Device Eligibility and Deductible Schedule For Mobile Insurance* (standalone or as part of Mobile Protection Pack) 03/15/2019 Update. Press "4" to hear other options. Both Verizon Protect and Total Mobile Protection are eligible for multi-device plans. The Total Mobile Protection is the most comprehensive of Verizon’s plans. TMP and TMP for Business are each a combination of products, each of which is available separately: Wireless Phone Protection (WPP) $6.85/$3.10 depending on device; Verizon Wireless Extended Warranty (EW) $5.00; … Fortunately, Verizon's Total Mobile Protection plan allows you to insure up to 10 lines at one time. However, there is a deductible for almost all plans. Find out now. January 1 – December 31, 2021. The company … 1. But after reading this, it covers almost all electronics that I’ve. Price comparisons based on smartphone protection for the following providers: SquareTrade Smartphone Protection Plan, Sprint Total Equipment Protection Plus, T-Mobile Premium Device Protection Plus, Verizon Total Mobile Protection, AT&T Mobile Protection Pack. Xperia by Sony Ericsson. 3. Each incident is subject to a service fee or deductible. Total Mobile Protection. Everything Breaks vs. … What mobile devices are eligible for coverage? What's my deductible? But T-Mobile is 12$ for Jump and insurance.. iPhone X / Xr / Xs. This is straight insurance and does not extend your warranty after the 1 year manufacturer warranty expires. Updated Jan. 9: Verizon is increasing the monthly pricing for its Total Mobile Protection to $13, up from $11. The Costco Cell Phone Insurance Plan is one of the best phone protection plans you can get, based on its affordability, coverage, and unique non-deductible… Deductible: When a claim is filed due to a mobile phone being lost or stolen, a deductible will apply. A dropped phone can lead to a cracked screen. Device protection can help you replace your device if it's ever lost, stolen, damaged or defective after the manufacturer warranty expires. Providing documentation helps verify your account. To verify your eligibility for a Verizon warranty repair or replacement, call (800) 922-0204. Worth Ave. Group is the industry leading provider of personal property and electronic device insurance and extended service plan coverage. Disclaimers. Mortgage News. Verizon Warranty for iPhone Explained. Press "6" to speak with an agent. Like Apple, screen repair is $29. Phone/Advanced Device Deductible $45/$99 Special Devices Deductible $169/$199 tablet Deductible $149 extended warranty Post-warranty Defects 3 tech coach: Fast, personalized technical support for your mobile device technical Support 3 verizon Support & protection premium* Device t une-up Click-to-call tech Coach remote locate & Secure App Alert As part of its Total Mobile Protection device insurance plan, Verizon is now offering same-day phone screen repair service in-store and via house call. Replacing a lost, stolen, or damaged device is fast and easy for eligible devices on an AT&T wireless plan with Mobile Insurance.1 You can: Cover 1 device with up to 2 claims in a 12 consecutive month period. Check enrollment eligibility. With my Note 10+, TMP would cost me $15 a month. It extends the warranty of the device, comes with Tech Coach technical … Total Equipment Coverage (TEC) is $9/mo. Lululemon. Evidence of Coverage: Your Medicare Health Benefits and Services as a Member of . AppleCare+ offered by Apple is hands-down better than all of the protection plans offered by AT&T, Verizon, T-Mobile and Sprint for three primary reasons. Here, we’re highlighting the Big Four carriers. Asurion Experts. Verizon offers four protection tiers. If your Verizon device is lost, stolen, damaged, or malfunctioning, you may be eligible for a replacement if you are enrolled in device protection. Protection Plans. It costs $15 per month to cover a smartphone or smartwatch, and it requires a deductible. Verizon Smartphone Total Mobile Protection Plan Update Letter. You can also get a Verizon device protection plan and have more comprehensive coverage. Phone Price Price Plan Cost Deductible iPhone 5s $649.99 $199 Extended Warranty $3/mo $169 iPhone 5s $649.99 $99 Wireless Phone Protection $8.18/mo $169 Brooks Brothers. Here are some examples of typical covered devices: Feature phones, Smartphones, Tablets, Netbooks/Notebooks, Laptop Connect Cards (data cards and Mi-Fi devices). Verizon Wireless Extended Warranty will be $4.15. AT&T. Tell me more. Geek Squad Complete Protection as well as standalone Loss and Theft Coverage are not available in the state of New York. iPhone 7. iPhone 6. This is the most expensive option for insurance, it basically bundles regular insurance with extended warranty & tech support. The deductibles for phones on our phone-only protection plans or our “Everything Protected” AKKO Plan ranges from $29 – $99 per claim based on the phone’s model. From the deductible information listed on my account at Asurion's website: " Program Information Wireless Number xxxxxxxxxxxxx Manufacturer MOTOROLA Model DROID Deductible $50.00 Monthly Fee $5.99 Your program combines Asurion's Wireless Phone Protection ($4.99) and Verizon Wireless' Extended Warranty ($1.00). Buy unlocked Apple iPhone SE 64GB Black from Pure Talk. Box 03 … Whether it’s a cracked screen, water damage or a dropped device, a Worth Ave. Group policy will ensure you’re covered. Upload documents. Here to help with all of your tech. The change accompanies lower deductibles, and will take effect beginning Jan. 25 … I believe you can start your claim online here: Phoneclaim.com – Verizon phones replaced fast! *Not available in Florida. You can file two claims every 12-month period. Activate the new iPhone on an eligible Verizon 5G unlimited service plan at the time of purchase. 6; Tech Coach will be $4.60. How many claims can I file with Wireless Phone Protection? Continue to enjoy coverage for loss, theft, damage, and post-warranty defects, and all the great features you love today: So $200 deductible, a lower grade iPhone another $200, the cost of the policy @ $11 per month for a year $132, totals about $532. No, your iPhone deductible is not $50, $100, or $125. So I'm enrolled in the total mobile protection plan on my Google pixel 3, does anyone know what the deductible is if it is lost or stolen? At that I'll just take the risk and buy a iPhone in the event of a loss. While the AKKO Plan tops our list, its sister Phone Protection Plan is an excellent alternative for those looking to only protect their phone. The plan is actually though Asurion, which is the biggest provider in mobile device insurance. The standard multi-device plan for each option covers up to 3 lines, with a maximum total of 9 insurance claims in a 12-month period. Verizon Protect Business (VPB) now includes Business Tech Coach Security, which is $8.60 if purchased separately. Available to Total Mobile Protection and Tech Coach Customers on the date of your next wireless bill after 7/22 (no later than 8/31), and to Verizon Protect customers on 7/22. Yes: House call. Verizon customers have the option of Verizon’s “Total Mobile Protection” plan. Protect it from loss, theft, damage and more with a cell phone protection plan ... Verizon Tech Coach. We’ll guide you through Verizon warranties for iPhones and show you the most convenient method to file a warranty claim! In Florida, battery replacement coverage is provided by the insurance program (device replacement deductible and claim Batter limit apply). Does Apple Care have a deductible? Get answers to the most popular questions about Asurion phone insurance, extended warranties, careers and Soluto services. AT&T. 2) Your carrier will tie up your credit. There are some big caveats, though. With Verizon Protect (our best value), you can also get cracked-screen repair for select smartphones, subject to parts availability, and Tech Coach support for almost anything that your device connects to. AT&T Mobile Insurance. for Smartphones (Tier 1) and Watches; and Verizon Only an Insured may pay the deductible. The protection plans start with Wireless Phone Protection (WPP) which is $7.15/mo. We help you save money from costly replacements and our mobile insurance provides a protection plan against loss, theft, damage (including liquid damage) and malfunction. Best Buy Geek Squad Portal This portal lets you register your plan, file a claim, check your claim status and manage your protection plan. Almost two years ago, I opted into the Verizon Smartphone Total Mobile Protection Plan when I upgraded from a … I do have the Wireless Phone Protection (WPP) for $6.85 a month. From your Verizon phone, call Verizon customer support at 1-800-922-0204 or by dialing *611. Android General. AT&T. Voice and Broadband Calling Plans. 3) Your carrier must determine IF they will cover your device. When you buy an iPhone from Verizon, it comes with a free manufacturer warranty from Apple. Verizon and Asurion have you covered. Coverage only available for new iPads. Included with Total Mobile Protection . Phone/Advanced Device Deductible $45/$99 Special Devices Deductible $169/$199 tablet Deductible $149 extended warranty Post-warranty Defects 3 tech coach: Fast, personalized technical support for your mobile device technical Support 3 verizon Support & protection premium* Device t une-up Click-to-call tech Coach remote locate & Secure App Alert Here, we’re highlighting the Big Four carriers. Asurion Costs and Deductible. Each features a $25 deductible and up to $600 of protection for damage and theft. Verizon customers who subscribe to the carrier's Total Mobile Protection plan will see a bit of a price hike beginning in the spring. The price is much less per month than the Total Mobile Protection plan, and the deductible is the same. You can have up to 3 replacements or repairs in a 12-month period (not including cracked-screen repairs) with a device replacement maximum of $400 or $2,000 per claim, depending on device type. Bring Your Own Device. If you break the screen of the Galaxy S7 edge, it will cost you the whopping $270 plus at least a week turnaround time to get it replaced, and the only display provider is Samsung - better believe it, as we already asked Verizon, AT&T and the others. You must stay on an eligible Verizon service plan for 24 months (iPhone 12 mini and iPhone 12) or 30 months (iPhone 12 Pro and iPhone 12 Pro Max) to receive the full offer credit. Is Verizon protection plan worth? ? The Total Mobile Protection is the most comprehensive of Verizon’s plans. For most parents a 529 plan (named for the relevant section in the U.S. Tax Code) is a great means of funding children's education. Note: 3 registered lines share 9 claims in 12 months. Does Apple Care have a deductible? Verizon seems to be aware of this, and it's upping the price of its Total Mobile Protection plan from $11 to $13 per month for phones starting very soon. For $13 per month, your phone is covered against theft, loss, and damage. Asurion Costs and Deductible. CALL 888-994-0914 to sign up for Everything Breaks protection plan, you’re allowed to cancel your insurance from AT&T, Verizon, Sprint or T-Mobile whenever you want and for whatever reason without penalties, fees or changing your current cell phone plan. Device protection can help you repair or replace your device if it's ever lost, stolen, damaged, or malfunctions after the manufacturer warranty expires. *Total Mobile Protection is a combination of four products each of which is available separately: Wireless Phone Protection, Extended Warranty, Verizon Mobile Security and Verizon Tech Coach. Total Mobile Protection (TMP)†will be $14 or $17, depending on device type. Get a Protection Plan. Most cell phone service providers offer protection plans that cover loss and theft in addition to accidental damage. All plans are continuous until cancelled. The deductible is either $45, $99, $149, $169 or $199 depending on whether the Covered Property is found in Schedule A, B, C, D or E, attached hereto, and is non-refundable and is payable to Us or Asurion at the time a repair or replacement is approved by Asurion Insurance Services, Inc. $129/month for accounts with 11 – 24 lines, which lets you file up to 33 shared … Which is a $175 deductible. Not including cracked screen repair claims which are unlimited. I have verizon unlimited phone plan and a Verizon air card through work. Total Equipment Coverage (TEC) will be $8.40 or $11.40, depending on device type. Protection plans for multiple devices. x. Shipping schedule and same day eligibility How do I find or file my documents? When connected with an agent, ask to cancel your insurance plan. International Travel. The plan has become more expensive (from $10 to $11 / month) and the deductible was raised (from $99 to $149). Verizon Wireless Extended Warranty will be $4.15.6 Tech Coach will be $4.60. Total Mobile Protection from Verizon is a device insurance plan available exclusively from Verizon. If a customer loses or breaks their phone, or if their phone is stolen, Verizon ships them a replacement phone the next day. Verizon offers five insurance tiers, and coverage depends on which tier you select. The top three tiers all offer coverage for manufacturer's defects, accidental damage, theft and loss . They're identical save for additional benefits and price. File a claim for your lost, stolen or damaged phone. Download Verizon Support & Protection to fully protect your device. The cost of Asurion plans depends on your carrier. A $25-149 deductible applies per claim. Brightstar Device Protection P.O. Filing a claim with Asurion online is quick and easy. We’re backed by two A-rated insurers and have an 80% customer approval rating. AppleCare+ provides up to two incidents of accidental damage protection every 12 months. Additional information and new deductible fees effective July 22, 2021: WPP Replacement Deductibles: $19/$129/$189/$229/$249. Average Asurion Expert Rating. Note: Throughout this article, we compare Sprint Complete, T-Mobile's Protection<360>, AT&T Mobile Insurance, and Verizon Protect. ... All new customers can shop plans, phones and more at verizon.com today. To insure an iPhone X under Verizon's Total Mobile Protection program you'll have to pay $13 per month, plus a $199 deductible if you file a claim. A great phone deserves great protection. Asurion is available on AT&T, Sprint, and Verizon under their Mobile Protection Plan, Complete, and Total Mobile plans respectively. Eligibility will be determined at the time of claim approval. * All comparisons assume customer owns Apple iPad Pro (Wi-Fi + Cellular) 128GB model and files one accidental damage claim. AppleCare+ with Theft and Loss adds up to two incidents of theft or loss coverage every 12 months. Don't waste another dollar repairing your device again! Other iPhone retailers do offer it as well including Boost Mobile and WalMart. The coverage is solid, but there are a few additional perks. AT&T, Sprint and Verizon cell coverage provided by third-party insurance company Asurion, and T-Mobile’s plan is administered by another insurance company, Assurant. All comparisons based on 2-year protection plan plus one accidental claim filed within the first 6 months for any smartphone in the highest deductible tier (includes the Samsung Galaxy S7 32GB,Samsung Galaxy Note 5 64GB and the HTC One M9) for the following providers: SquareTrade Smartphone Protection Plan; AT&T Mobile Protection Pack; Verizon Total Mobile Protection, Sprint Total … Just choose your carrier and phone model and get your phone replaced or repaired as soon as next day. Best Buy's Geek Squad offers protection plans starting at $8.99 a month, as well as SquareTrade (starting at $8.99 a month for a single plan; $19.99 a month for a family plan … Our protection plan may also include one-click access to support experts to help you get the most from your iPhone and the devices it connects to. for Smartphones (Tier 2), Basic Phones and Tablets or $4.15/mo. Additionally, Protection 360’s very reasonable deductible for other damage is a sight for sore eyes after seeing some service fees other carriers are charging. The cost of Asurion plans depends on your carrier. In its basic form, Asurion Wireless Phone Protection insurance covers the replacement of a covered cellular device that is lost, misplaced, stolen, damaged or found to be defective outside of the manufacturer's warranty coverage period. Verizon allows you to Bring Your Own Device (BYOD) and offers a free SIM card if you check your phone’s compatibility on … When you trust America’s most reliable network, you can trust you'll have access to trusted device protection and support for when the unexpected happens. Mortgage Rates Hit a New 5-Month Low at 2.88%. Most cell phone service providers offer protection plans that cover loss and theft in addition to accidental damage. Carriers may have different tiers with different deductibles. Select an option below to compare them with the other device protection options available. The top tier, called Total Mobile Protection (TMP), costs $11 per month for one phone or $33 per month for three devices on one account. To my surprise, I realized that I have to pay a $199 deductible, which makes this a "PARTIAL" equipment plan and not a "TOTAL" equipment plan. Dropped your device in water? Monthly charge: Total Mobile Protection (TMP) and TMP for Business are each $15.00 for Smartphones (Tier 1) and Watches/$12.00 for Smartphones (Tier 2), Basic Phones and Tablets. Other iPhone retailers do offer it as well including Boost Mobile and WalMart. PLAN: PREMIUM (over 24 months) COST PER CLAIM (Deductible) Verizon Extended Warranty: $120: $0 Only covers manufacturer’s defects: Verizon Phone Protection: $164.40: Screen damage: $29 Other damage: $199 Does not cover loss or theft: Verizon Total Equipment Coverage: $264: Screen damage: $29 Other damage: $199 Theft or loss: $199: Verizon Total Mobile Protection: $360 Is Verizon protection plan worth? With Wireless Phone Protection avoid paying up to the full retail cost for a replacement device should the unexpected happen. A $25-149 deductible applies per claim. But again, you’ll need to sign up within 30 days of buying your phone. The Verizon Protect and Verizon Protect Multi-Device options offer the best value. If you have an Assurant 360 plan, this portal lets you register your product, file a claim and live chat for customer service as well as look at FAQs. That’s $349 less than two years of Verizon protection and one repair deductible. The list of covered devices depends on your wireless provider’s specific program. $99 is also the max deductible even for Theft or total replacement claims! Phone Protection Plan (all cost estimates are for an iPhone 12 Pro Max) Price: $12 monthly for 1 phone. To cover more than 3 lines, enroll in Additional Coverage (available with Verizon Protect … 8.2. However, they will not cover the loss of a phone. $. Verizon insurance can be a good option if you’re prone to breaking or losing your phone, but you might not need additional benefits like tech support and identify theft protection provided by Verizon Protect or Total Mobile Protection. iPhone 11 / 11 Pro / 11 Pro Max. If we’ve requested documentation for your claim, you can upload it here. Upload your documents here. That’s a savings of $29 for the same repair. Get started Your plan may provide replacement, repair, and/or tech support for your mobile device. Press "2" to continue to the main menu. for Smartphones (Tier 2), Basic Phones and Tablets or $6.85/mo. Everything Breaks vs. … I thought about it, but after further research the deductible on the Verizon protection plan (through Asurion) is $199 for every incident. The plan is actually though Asurion, which is the biggest provider in mobile device insurance. A Deductible will apply to all Loss and Theft insurance claims and the amount shall be based on the non-discounted Best Buy retail price of … AT&T, Sprint and Verizon cell coverage provided by third-party insurance company Asurion, and T-Mobile’s plan is administered by another insurance company, Assurant. It extends the warranty of the device, comes with Tech Coach technical … Compare that to Upsie: a Samsung Galaxy S10 insurance plan costs $105.99 for protection plus the $75 deductible equals $180.99. 7: Verizon’s Total Mobile Protection plan allows you to insure up to 10 lines at once. Other Damage Deductible… One-stop for quick resolution to any question about your mobile device. All comparisons based on 2-year protection plan plus one accidental claim filed within the first 6 months for any smartphone in the highest deductible tier (includes the Samsung Galaxy S7 32GB,Samsung Galaxy Note 5 64GB and the HTC One M9) for the following providers: SquareTrade Smartphone Protection Plan; AT&T Mobile Protection Pack; Verizon Total Mobile Protection, Sprint Total … 1y. It also includes coverage for post-warranty defects. Why the Lowest Rates You See Aren’t What You’ll Get. Samsung Galaxy Protection Plans. Lost your phone? It … Carriers may have different tiers with different deductibles. Expert Rating. Verizon has a few different protection plans available, such as the $9-11/month Total Mobile Protection plan (which includes full device coverage and the Tech Coach support option) and the $7-9 per month Total Equipment Coverage plans (which cover the device if it’s lost, stolen, or damaged and comes with a deductible of $99-199 for smartphones). Price comparisons based on smartphone protection for the following providers: SquareTrade Smartphone Protection Plan, Sprint Total Equipment Protection Plus, T-Mobile Premium Device Protection Plus, Verizon Total Mobile Protection, AT&T Mobile Protection Pack. So in my situation, tmobile makes more sense because I expected few if any insurance claims and can pocket the difference in price (or in my situation, get the bonus of Jump which I wanted anyway). 1) Your carrier uses third party parts. File your claim online and you could receive a replacement in 24 hours. Get a replacement as soon as the next day 3 for approved loss, theft, and physical or liquid damage claims. The coverage is solid, but there are a few additional perks. Q: Does Verizon let you bring your own phone? Proactive communications Get up to date information on the latest iPhone features, before you even ask by downloading the Soluto app included with your plan. Enroll a single line with an eligible device in Verizon Protect for $14 or $17 per month, depending on device type. Verizon Smartphone Total Mobile Protection Plan Update Letter. CALL 888-994-0914 to sign up for Everything Breaks protection plan, you’re allowed to cancel your insurance from AT&T, Verizon, Sprint or T-Mobile whenever you want and for whatever reason without penalties, fees or changing your current cell phone plan. Reps they are designed by the insurance program ( device replacement deductible and claim Batter Limit )... 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