AT&T customers can purchase phone insurance directly from the carrier. With AT&T Protect Advantage, customers will have their repairs or replacement covered in the event of an accident or theft. Smartphones are the most expensive they have ever been, and it’s not rare for people to spend over $1,000 on a device. Given those high prices, it’s understandable that many phone owners want to protect their investments.
Keep reading to learn about AT&T insurance and find out if Protect Advantage is worth it and right for you.
AT&T Protect Advantage: Price and perks
AT&T Protect Advantage costs $14/month or $17/month, depending on which device requires protection.
With AT&T Protect Advantage, you can expect the following perks:
- Protection for one phone
- Same-day replacement
- Unlimited screen repairs at $29 per repair
- Unlimited battery replacement
- Unlimited claims for out-of-warranty malfunctions
- 3 claims per year related to loss, theft, or physical damage
- 2 claims per year related to accidental damage from handling
- ProTech technical support
- Unlimited photo and video storage
ATT Protect Advantage for 4
For $45/month, you can get AT&T insurance for up to four devices. AT&T Protect Advantage for 4 includes:
- Everything included in AT&T Protect Advantage for four devices
- 8 shared claims per year related to loss, theft, or physical damage
- 6 shared claims per year related to accidental damage from handling
File a Claim with AT&T Protect Advantage
You can file a claim quickly and easily with your AT&T insurance:
- Anytime online at AT&T’s claim website.
- By Phone at 888-562-8662 between 8 a.m. and 10 p.m. ET on weekdays or 9 a.m. to 9 p.m. ET on weekends.
- On the AT&T ProTech support chat.
- Through the AT&T ProTech app (Android, iOS).AT&T Protect Advantage Deductibles
Don't wait too long to report your claim. You have 60 days from the date of loss or incident to submit your claim through AT&T's Protect Advantage insurance. If you've damaged your phone while traveling, make sure to submit your claim as soon as you return home.
When you file a claim with AT&T Protect Advantage, you should expect to pay a deductible. This deductible is what you need to contribute before AT&T pays for the claim.
For screen repairs, the deductible is $29. AT&T does not publish deductibles for other types of claims, but you can use its deductible estimator tool to get an idea of what you’ll need to pay for any given claim.
AT&T ProTech
Access to AT&T ProTech is available with AT&T Protect Advantage. ProTech provides technical support from technicians who have experience with over 6,000 pieces of modern-day technology. ProTech reps are available through online chat and the ProTech App.
The ProTech app also has built-in diagnostic capabilities. You can run the app and optimize your phone’s performance.
Is AT&T Insurance Worth It?
If you can afford to replace your phone without any financial strain, purchasing insurance might not be worth it. Chances are you won’t need to file a claim, and in the rare case that something happens to your phone, it won’t be a big deal to fix or replace it yourself.
On the other hand, if replacing your phone would be burdensome, you might want to consider purchasing AT&T Protect Advantage. Just keep in mind that it’s an extra $14 or $17 per month—which could also be burdensome. You may also want to consider that a good phone case is a relatively small one-time purchase to help protect your device.
Frequently Asked Questions
Will AT&T replace my phone for free?
AT&T will likely replace your phone when you file a claim through AT&T Protect Advantage, depending on your situation. You may need to pay a deductible.
How do I contact AT&T insurance?
You can contact AT&T Protect Advantage insurance at 888-562-8662, or by starting a chat with AT&T ProTech online or on the ProTech app.
Does AT&T insurance give you a new phone?
AT&T insurance will likely replace your phone with an unused model of the same phone you currently have if replacing is less expensive than repairing the phone.
How long will it take to get a replacement phone?
Same day replacement is offered through AT&T's Protect Advantage insurance. Otherwise, it may take 1-2 business days to get your replacement.
Does AT&T insurance cover cracked phones?
AT&T insurance covers cracked phones. If your screen has a crack, you can get it repaired after paying the $29 deductible. The deductible for cracked casings or shells may vary.
Angelo Ilumba
Senior Writer
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