Is Asurion Worth It?

Updated: Feb 13, 2024 2:46 PM
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Asurion is a privately held company that offers a series of extended warranties and one of best cell phone insurance plan providers directed at smartphone owners.

Key Takeaways_

  • Asurion smartphone insurance plans are typically purchased via your mobile network carrier.
  • The company offers smartphone replacement services if a device becomes lost or is stolen.
  • Asurion plans also cover accessories, such as earbuds, batteries, and phone chargers.

Is Asurion Worth It?

This depends on the consumer and their smartphone, though the plans offered by Asurion are generally considered to be competitive within the industry, competing against big brands such as AppleCare.

But from a consumer perspective, is AppleCare worth it? For that matter, is Google Preferred Care or Sprint Insurance worth it?

Should You Buy Coverage?

Before you buy, check out our list of the best phone insurance options. Our #1 pick is Akko, which offers great device coverage at a very competitive rate of just $5/month with the 1st month free.

You can view more about Akko directly here.

Buying Asurion Phone Insurance

Asurion plans are generally purchased via a consumer’s phone wireless carrier, such as Verizon, Sprint, and AT&T. The pricing on these plans will vary depending on your mobile carrier and the make and model of your smartphone.

Generally speaking, your monthly fee will range from $9 to $14. For that monthly cost, Asurion-based insurance plans will offer you the following benefits.

Lost or Stolen Phone Replacement

Every year, 19 million phones are lost or stolen. Insurance plans offered by Asurion will replace a smartphone that has been lost or stolen for a fee, which is typically around $200.

The replacement procedure is fairly simple, with most steps being conducted on the company’s robust web portal. This cost is in addition to the monthly price of the plan itself.

Similar conditions apply to other providers, such as the Geek Squad from Best Buy, but is Geek Squad insurance worth it?

Accidental Damage Repairs

One of the key benefits of choosing Asurion as your smartphone insurance provider is the fact that they cover repair costs related to accidental damage. This includes screen replacement, as cracked displays are an extremely common issue.

phone with a broken screen

These repairs also extend to water damage, problems related to normal wear and tear, and mechanical failures that have arisen after the manufacturer’s warranty has expired.

There is a small fee when it comes to certain procedures, as a screen replacement will cost $29, but some repairs are completely free.


Consumers should be aware that there is a fee to replace a lost or stolen phone, which is typically around $200.

Accessory Repair and Replacement

Another important feature to consider when it comes to Asurion insurance is the fact that their plans extend to cover a smartphone’s accessories. This includes the battery, the charger, and even the earbuds.

broken earbuds

Generally speaking, anything that shipped with the smartphone upon the initial purchase will be covered under the insurance plan. Asurion will handle repairs of these accessories, but more likely, they will issue a replacement item.

Accessory replacements typically do not accrue any additional fees besides the cost of your monthly insurance plan.

Is Asurion Worth It? Questions (FAQ)

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