Does insurance cover phone screen damage?
Asked by: Carley Hermiston | Last update: July 26, 2025Score: 4.3/5 (5 votes)
Does phone insurance replace the phone if damaged?
Depending on your plan, cell phone insurance typically covers damage caused by accidents and theft, up to a selected limit or the replacement cost of your phone. Although coverage plans vary by carrier, here's what a cell phone insurance plan from Progressive Phone and Electronic Device Insurance by Worth Ave.
How much is it to pay for a broken phone screen?
The cost of repairing a phone screen can vary widely. The average price for a screen repair is between $70-$400.
What happens if your phone screen is damaged?
Cracks and scratches can cause your touch screen to stop working properly. That means your phone might think your finger is in another place. Apps might not open when you tap them. Your phone could take longer to respond in general, or your touch screen could stop working entirely.
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.
No Case, No Screen Protector - 1 Month Later
Are phone screens covered by insurance?
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.
Does mobile insurance cover cracked screen?
Apart from theft, a mobile insurance plan also covers events of software damages or other hardware issues to these expensive gadgets, in addition to accidental drops, liquid damage, screen damage, and many other scenarios that you might encounter.
Is it worth replacing a cracked screen?
Replacing a cracked screen or a battery that can't last through the day can be a great way to extend the life of your phone. If the price is right, the device emerges in good working order and you squeeze another year or two of use out of it.
How to fix a cracked screen without replacing it?
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. While this may not provide a permanent solution, it can suffice until you're ready for a more comprehensive repair.
Can you fix a phone screen with black spots?
If the black spot is due to pressure, reducing the pressure and giving it time might gradually reduce the spot. Remove any tight cases or screen protectors and avoid putting pressure on the screen. Give it some time to recover—we advise about 1-2 hours.
Does a phone warranty cover a cracked screen?
A warranty doesn't cover things like cracked screens, a broken camera lens, or damage from liquid spills. Additionally, most manufacturer warranties are only good for one year, after which you would need to pay for any defect repairs yourself.
Can phone repair shops fix broken screen?
Repairing Your Cracked Screen
The best way to repair your cracked screen without risking further damage to the phone is to bring it to a professional repair service. The trained technicians at Cell Phone Repair can fix your screen quickly and safely.
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.
What does insurance cover on a mobile phone?
Adding this optional benefit to your policy means that your mobile phones would be covered for theft, accidental loss and accidental damage.
What counts as accidental damage for phone insurance?
“Accidental Damage” means physical damage, breakage or failure of Your Covered Equipment due to an unforeseen and unintentional event occurring either due to handling (e.g., dropping the Covered Equipment or through liquid contact) or due to an external event (e.g., extreme environmental or atmospheric conditions).
Can a phone still work with a cracked screen?
The Touchscreen Will Be Less Responsive - Even if your screen continues to function after it's been damaged, it's likely to become less responsive to touch. Eventually, the touchscreen may stop responding altogether.
Can you trade-in a phone with a cracked screen?
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. Check specific trade-in program requirements for details.
Is it cheaper to get a new screen or a new phone?
If the cost of replacement is significantly lower than the cost of repair, it may make more sense to opt for a replacement. This is especially true for older or budget smartphones with cheaper screens. Replacing your phone screen can also be more cost-effective if your device has multiple issues or is outdated.
Will I lose everything if I replace my phone screen?
So when you're getting your phone's screen replaced, your data including photos, apps, contacts, and other files will remain unaffected. Truth be told, the screen of your mobile phone is merely a display module and an interface for you to interact with your handset. It has no inherent data storage capabilities.
Is it bad to leave your phone screen cracked?
What starts as a tiny crack can quickly turn into a web of fractures across your screen. The more cracks, the harder it is to read or even operate your iPhone. Don't wait for it to become a full-blown disaster—fix it as soon as possible and keep your screen looking clear!
Does insurance cover screen damage?
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 usually cost to fix a cracked phone screen?
However, phone screen repair prices vary wildly due to differences in component costs, repair complexity, and parts availability. This means that you could spend as little as $50 to fix a cracked screen on an older iPhone to as much as $329 for a replacement front panel assembly on a newer device.
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.