How to File a Phone Insurance Claim

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Updated June 27, 2022

When you accidentally drop your phone and crack your screen, or it suddenly stops functioning properly, you can rest easy when you have a top rated cell phone insurance. However, you’ll need to know how to file a claim in the proper manner. Keep reading to learn how to file a phone insurance claim.


  • Not all phone insurance policies cover the same things.
  • You can file a phone insurance claim online or on the phone.
  • You can use your confirmation to track your phone claim.

Tools Needed: Computer with an internet connection, phone

Learn How to File Smartphone Insurance Claims

Properly filing a phone insurance claim is the best way to get your phone repaired or replaced in a timely manner.

Know Your Policy

Before you file your phone insurance claim, you should be familiar with the specific details of the policy you’ve purchased. Since most phone insurance policies have exclusions, it’s important you know beforehand if your damage or problem is covered. Some policies may even feature time limits in which you must file a claim. For instance, if you have a Verizon cover, the policy will also instruct how to cancel your Verizon phone insurance. When you know these details, you’ll be able to file your claim in the most punctual and accurate way possible. I


Follow these steps to properly file a smartphone insurance claim.

STEP 1Research Your Provider’s Specific Claims Process

While most insurance providers follow the same general claims process, it’s still incredibly important for you to research the steps your specific provider wants you to follow. You may need to fill out certain forms or call a certain number before filing a claim. For instance, if your phone has a cracked screen, your policy provider will follow a certain process on how to fix a cracked phone screen, so you get the best service available.

STEP 2File Your Claim Online

Log onto your phone insurance provider’s website and click on the claims link. This link or button is usually clearly visible on the provider’s webpage. Next, follow the steps the website provides. You may need to click through different buttons or simply fill out a text form. Provide the requested information and then click submit. At the end of the process, you should receive a confirmation number and email. Always be truthful when explaining the reasons why your phone is ruined, because if you aren’t, your claim may be denied.

STEP 3File Your Claim Over the Phone

If you don’t have access to a computer connected to the internet, or you simply prefer speaking to a live person, you can typically file a phone insurance claim over the phone. Find the claims phone number on the paper documentation or online and call it. The customer service representative will ask you a series of questions. At the end of the call, you should receive a confirmation number. Keep track of this confirmation number, as you may need it later.

STEP 4Track Your Claim

After you have submitted your claim, the insurance provider should provide an expected timeframe. However, if you have any questions about your claim, you can usually track its progress online or via a phone call to the provider’s customer service department.


How do I claim phone insurance?

To claim phone insurance, simply follow the steps outlined by your phone insurance provider. You can typically fill out a form online or call your provider’s claims department.

What does insurance on a phone cover?

Phone insurance usually covers damage, loss, theft, and device malfunctions. However, each policy is different, so it’s always best to check your specific policy before assuming yours covers the problem you’re experiencing.

How long does a phone insurance claim take?

While a phone insurance claim usually only takes about 10 minutes to file, the process can take a few weeks to complete. Make sure to track your claim often to get regular updates.

What is accidental damage phone insurance?

Accidental damage phone insurance refers to policies that specifically cover phone damage like cracked screens.

STAT: Around 80 million smartphones are damaged, stolen, or lost each year. (source)

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