If You Have Insurance on Your iPhone and It Cracks?

What Happens If You Have Insurance on Your iPhone and It Cracks?

iPhones have become an integral part of our lives, serving as communication devices, cameras, and personal assistants. To protect these valuable gadgets, many people opt for insurance plans. But what should you do if your iPhone, despite having insurance, cracks or suffers damage? In this article, we’ll explore the steps you should take and the options available when your insured iPhone meets an unfortunate fate.

Understanding iPhone Insurance

The Basics of iPhone Insurance

Before we dive into what to do when your iPhone cracks, let’s understand the fundamentals of iPhone insurance:

Types of iPhone Insurance

There are typically two types of iPhone insurance:

  1. AppleCare: Offered by Apple, this is an extended warranty plan that covers manufacturing defects and accidental damage.
  2. Third-party Insurance: Many companies offer insurance plans that cover various damages, including accidental drops and cracks.

Premiums and Deductibles

iPhone insurance plans often come with monthly or annual premiums and deductibles. Understanding these costs is essential when evaluating your coverage.

Steps to Take When Your iPhone Cracks

What to Do Next

If your insured iPhone sustains a cracked screen or other damage, follow these steps:

Assess the Damage

Examine your iPhone to determine the extent of the damage. Is it just a cracked screen, or are there other issues as well?

Contact Your Insurer

Reach out to your insurance provider as soon as possible. Report the damage and inquire about the claims process.

Understand Your Coverage

Review your insurance policy to understand what damages are covered. Some plans may cover only specific types of damage or incidents.

Pay the Deductible

If your insurance plan requires a deductible, be prepared to pay it when filing a claim. The deductible amount varies based on your plan.

The Claims Process

Navigating the Claims Process

Filing a claim for your cracked iPhone involves several steps:


Your insurer may request documentation, such as photos of the damage and a copy of your purchase receipt.

Claim Approval

Once your claim is submitted, the insurer will review it and determine whether it meets the criteria for coverage.

Repair or Replacement

If your claim is approved, your insurer will arrange for the repair or replacement of your iPhone.

FAQs: Your Questions Answered

1. Will AppleCare cover a cracked screen?

Yes, AppleCare can cover a cracked screen, but it may involve a deductible.

2. How long does the claims process take?

The time it takes to process a claim can vary but is usually completed within a few days to a week.

3. Can I get my iPhone repaired at an Apple Store?

Yes, many insurance plans allow for repairs at Apple Stores or authorized service providers.

4. What if I don’t have insurance?

If you don’t have insurance, you’ll need to pay for the repair or replacement of your iPhone out of pocket.

5. Is it worth getting iPhone insurance?

Whether iPhone insurance is worth it depends on your risk tolerance and how prone you are to accidents.


In conclusion, having insurance on your iPhone provides a safety net when accidents happen, such as a cracked screen. When your insured iPhone sustains damage, follow the steps outlined in your insurance policy and communicate with your provider promptly. Understanding your coverage and the claims process can help you get your beloved device back in working order.

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