Does cell phone insurance cover a cracked screen?

Asked by: Freddie Powlowski  |  Last update: November 25, 2025
Score: 4.3/5 (52 votes)

Insurance for cell phones can help protect you from: Accidental damage due to spills and drops. Theft and vandalism. Cracked screens.

How much does it cost to fix a broken cell phone screen?

The cost of repairing a phone screen can vary widely. The average price for a screen repair is between $70-$400.

Does insurance cover phone screen damage?

Mobile phone insurance is designed to protect your phone against common situations that might happen. There are different levels of cover available, but many will include: Accidental damage - If you accidentally damage your phone, including cracking your screen, your insurer will pay for repairs or to replace it.

What does cell phone insurance not cover?

Keep in mind that most protection plans do not cover intentional phone damage. Some plans may also help cover a wider (or smaller) range of issues, so it's a good idea to review plan details thoroughly — you can usually find more information about coverage details and limitations in the plan's terms and conditions.

Does my phone warranty cover cracked screen?

A phone's warranty only covers electrical or mechanical failures resulting from a manufacturing defect. A warranty doesn't cover things like cracked screens, a broken camera lens, or damage from liquid spills.

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34 related questions found

Does insurance on a phone cover a cracked screen?

Insurance for cell phones can help protect you from: Accidental damage due to spills and drops. Theft and vandalism. Cracked screens.

Is it worth fixing a cracked phone screen?

In general, if your phone screen is cracked but the device is still functioning well, it's usually worth repairing—especially if the cost is less than half the price of a new phone.

What counts as accidental damage for phone insurance?

Accidental damage refers to a device failing to function correctly or safely as the result of an incident that has happened by accident. For example, it is dropped, something is dropped on it or liquid spilled onto it.

What does insurance never cover?

Most health insurance will not cover elective or cosmetic procedures, beauty treatments, off-label drug use, or brand-new technologies. If health coverage is denied, policyholders can appeal for exceptions or allowances based on an individual's situation and prognosis.

What does mobile phone insurance cover?

Mobile phone insurance is a type of gadget insurance that will cover your phone in case it is damaged, stolen or lost.

What to do if the phone screen is cracked?

If you're dealing with a broken screen, there are a handful of options for fixing it:
  1. Use a manufacturer or extended warranty to get the device screen replaced.
  2. Ask your mobile carrier to repair it.
  3. Bring it to the nearest phone repair shop.
  4. Trade-in your phone (if due for an upgrade)
  5. Repair it yourself.

Can I claim warranty if screen is broken?

All devices assessed to have physical damage or related causes will not be covered under warranty.

Is screen insurance worth it?

Phone insurance can provide several benefits, including coverage for damage caused by accidents and theft. It could also help you avoid paying the full price of a replacement and cover your device from accidents related to water damage and smashed screens. Some policies also cover lost or stolen devices.

Can you fix a cracked phone screen without replacing it?

With a glass-only repair kit, you can replace just the glass layer, saving costs and effort compared to a full screen replacement. For those seeking a temporary solution or a quick fix, using clear adhesive tape or a screen protector can cover the crack and prevent further damage.

Are phones with broken screens worth anything?

Yes, many trade-in programs accept phones with cracked screens, but the trade-in value may be lower. Assess repair costs versus potential trade-in value to determine if it's more economical to fix the screen before trading in used phone.

Does AT&T fix broken phone screens?

Some devices qualify for cracked screen repair (available in select areas for certain devices). If you're eligible, you'll have the option to select screen repair during the claims process. Then, you can choose to visit a repair location or have a tech come to you. Go to phoneclaim.com/att or call us at 888.562.

What is not covered in a phone insurance?

These insurance policies generally automatically cover your phone (and other stuff) for things like theft, vandalism, fire, and other damages ('perils,' in insurance speak). You generally won't be covered for accidental damage or just because you misplaced and lost your phone, though.

Can insurance refuse to cover me?

Yes, a car insurance company in California can deny your auto insurance claim.

What types of procedures usually are not covered by insurance?

common procedures insurance won't cover, as well as provide a brief explanation why.
  • Cosmetic Surgery. This one is pretty obvious. ...
  • Lasik. ...
  • Infertility. ...
  • Experimental and Off-Label Treatments. ...
  • Organ Transplants. ...
  • Chronic Disease. ...
  • Dental Cosmetics.

Does phone insurance cover a cracked screen?

You get unlimited repairs and replacements if your device is accidentally damaged (including front screen and back glass repair) or has mechanical and/or electrical failures. For loss and theft, you get up to five claims in any rolling 12-month period based on the date of the first replacement.

Does accidental damage cover cracked screen?

Yes, you'll be covered if you break your phone while you're at home. For example, if you drop it on the kitchen floor and the screen breaks. Accidental damage cover won't protect against damage that happens outside. You will need extra cover for damage that happens while you're out and about.

Can you claim a broken phone on insurance?

Most contents insurance policies will cover your mobile phone when it's in your home, just like other personal belongings or valuables. You'll be covered for loss or damage in a fire, storm or flood, and theft too, but only for the phone itself, and not any fraudulent calls.

Is it cheaper to get a new screen or a new phone?

For those without coverage, the decision is a little trickier. While the repair typically costs less than the price of a new phone, the fee can vary significantly, based on the model.

Can I replace just the glass on my phone?

With a replacement screen, a toolkit, and an online video, it is possible to replace a screen on your own. However, cell phone screens don't just pop off and back on. Screen replacement requires a very steady hand with several delicate ribbons and other pieces.

Should I put tape on my cracked screen?

Option #1: Apply Packing Tape

The name of the game here is, “hold out until I'm eligible for an upgrade.” If you want to keep using the cracked phone, and don't want to risk losing glass or slicing up your fingers, cover the screen with a layer of packing tape.