If you need a cell phone insurance service that provides you a replacement phone for a decent amount of money just for usual wear & tear, Virgin Mobile Phone Insurance is going to be the best cell phone insurance for you. They mainly use Asurion as their partner for providing this insurance service.\r\nWhy We Like It - Virgin Mobile Phone Insurance\r\nEven though the cost of Virgin Mobile Phone Insurance is much higher than other competing cell phone insurance services out there (both in terms of per month cost to continue with the insurance and deductible), it provides a very good mobile phone specific insurance service that you can rely on.\r\n\r\nCoverage And Deductible\r\nFirst of all, this insurance policy does cover new phones, even within their 12 months of warranty period. It covers pretty much all smartphones (even in the case of loss theft) of up to $3000 retail price. Both liquid damage and physical damages are also covered as usual. Power surge related damages are covered too.\r\nReplacement deductible charges range from $50-$599 depending on the retail price of your phone.\r\nBackup Services\r\nWell, it\u2019s mainly hardware insurance, they won\u2019t be able to recover your data. If you keep important data on your phone, the AKKO Phone Insurance will definitely be a better choice, as they do offer cloud storage backup. Virgin Mobile\/Asurion Mobile Phone Insurance doesn\u2019t even cover SIM cards, let alone user data.\r\nCustomer Service\r\nWell, it\u2019s Virgin Mobile we are talking about here, so the customer support is going to be pretty good. That\u2019s pretty much what the high price is for; you do get what you pay for. It\u2019s actually as good as the Geek Squad Phone Protection Plan by Best Buy. But still, do note that Asurion has all the rights reserved for this service. So they are always going to be the entity that\u2019s going to replace\/work on your device.\r\nSecurity Features\r\nVirgin Mobile used to provide a few security software along with this insurance policy. But they don\u2019t anymore, which is probably for the better. Most security software for phones increases the amount of bloat and is not really necessary anymore when most modern smartphones get regular downloadable OTA security updates.\r\nValue\r\nThe value proposition is something that entirely depends on your affordability. Yes, it does cover a lot of aspects of a smartphone, but for most end users, it\u2019s going to be just a bit too expensive. In that case, you can go for the cheaper Squaretrade Cell Phone Insurance instead.\r\nVirgin Mobile Phone Insurance Wrap Up\r\nOverall the Virgin Mobile Phone Insurance is decent, just a tad bit overpriced. If you can afford it, you won\u2019t be disappointed with their service.