AT&T Cell Phone Insurance Review

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Updated September 29, 2022
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82 Expert Rating

AT&T Cell Phone Insurance makes picking a plan so easy, making it arguably the best cell phone insurance. Each plan is broken down into simple terms, with three to pick from. Coverage includes accidental damage, like a cracked screen, even providing storage and identity protection. If you want to improve the quality of life of your device, this is what you want.

Why We Like It – AT&T Cell Phone Insurance

Simple, easy to understand, and effective, AT&T Cell Phone Insurance makes picking phone insurance painless, with three tiers that state exactly what’s covered, like accidental damage and same-day replacement. Offering next-day replacement and same-day repairs, Asurion Phone Protection is also worth checking out. And if you like to stay within the Apple ecosystem, you can read our AppleCare phone insurance review or check out what other options you have with the best iPhone insurance plans. However, if you prefer phones from Samsung instead of Apple, read our Samsung phone insurance review.

  • Easy-to-understand simplified plans
  • Offers coverage for up to 4 devices
  • Includes accidental damage coverage
  • Insurance is provided by Asurion, not AT&T

Coverage & Deductible

Mobile protection is split into 3 tiers. Let’s make it easy and call the cheapest plan Tier 1, followed by Tier 2 and Tier 3, which is the most expensive. Tier 1 covers one device and provides 2 claims (per 12 consecutive months), screen repair, plus a replacement device as soon as the next day. Screen repair has a deductible of $49 under Tier 1, while Tier 2 and 3 are marked down to $29.

Tier 2 and 3 offer the same benefits, but Tier 3 covers four devices as opposed to one. Both Tier 2 and 3 get the benefits of Tier 1, in addition to more device protection, such as device tune-ups, battery replacement, same-day device replacement, and protection against out-of-warranty malfunctions. You’ll get 3 claims (per 12 consecutive months) under Tier 2 and eight under Tier 3. No matter what tier you choose, the Best Buy Protection Plan will offer you an extended warranty and additional protection for your device. Additionally, if you like the idea of a plan covering more than just your phone, Progressive cell phone insurance also covers other electronics.

Backup Services

Storage management comes in the form of AT&T Photo Storage. It’s a platform to store both unlimited photos and videos (video size may be limited) in a secure location. It’s only offered under Tier 2 and 3.

Customer Service

Asurion, who handles the insurance, isn’t viewed as a saint. Several reviews remark on Asurion’s representatives, making it difficult to make simple, cut-and-dry claims. Its overall review score still manages to reach 4.8/5 on average.

Security Features

On the bright side, both Tier 2 and Tier 3 gain access to IDnotify identity protection, which is why Tier 2 is the sweetest deal for solos. It focuses on credit report, scores, social network monitoring, and surveillance and keeps an eye on your social security. It even has a pathway for identity restoration.

AT&T Cell Phone Insurance Wrap Up

You’ll definitely want AT&T Cell Phone Insurance for the sake of improving your quality of life. Sure, insurance plans tend to cover damages, but how many actually provide identity protection? On top of that, you get access to device tune-ups and performance apps. They’re features you never thought you needed until you actually have them.

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