Asurion Device Insurance Review: Is It Worth the Cost?

Asurion offers device protection for phones, electronics, and appliances. You’ll also receive unlimited tech support and repair services at uBreakiFix stores.

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Asurion offers protection services for smartphones, tablets, home electronics, and household appliances. Thanks to hassle-free claims, in-person repairs, and 24/7 tech support, the company is one of the biggest names in device insurance.

While Asurion is known for fast, reliable service and next-day replacements, coverage details can vary. Before signing up for coverage, read through the plan details to understand what it includes.

Our take on Asurion

Asurion offers protection plans for various devices, including phones, laptops, tablets, household appliances, and home electronics.1 It partners with major phone carriers like Verizon and AT&T to provide phone insurance, and other Asurion plans cover home tech or household appliances.

Device coverage pays for accidental damage and mechanical or electrical failures. And several plans include next-day replacements, unlimited tech support, and repair services through uBreakiFix stores. Since coverage varies by plan, it’s a good idea to review the terms and conditions before enrolling.

How Asurion works

You can buy Asurion coverage through major phone carriers, retailers like Amazon and Walmart, or directly from Asurion. Plans are billed monthly, and you may need to purchase a separate policy for each phone. But if you sign up for the Home+ plan, it’ll cover all eligible devices in your home.

If a covered device needs service, you can file a claim online — usually taking less than 10 minutes. After you file your claim and pay your deductible, Asurion may repair your device, send a replacement, or reimburse you.

What Asurion covers

Asurion insurance protects your devices and appliances from a variety of issues:

    • Accidental damage

    • Power surge damage

    • Battery failure

    • Mechanical and electrical breakdowns after the manufacturer’s warranty expires

    • Setup support, such as transferring data, contacts, and media

    • Mechanical and electrical failures

    • Normal wear and tear

    • Accidental damage from handling for portable electronics

    • Power surge damage

    • Unlimited 24/7 live tech support across all eligible home devices

    • Mechanical and electrical failures

    • Wear and tear on covered entertainment devices

    • Accidental damage from handling (for handheld gaming devices and audio headsets)

    • Power surge protection

    • Coverage for devices like TVs, gaming systems, and streaming devices

    • Mechanical and electrical breakdowns

    • Failures from normal wear and tear

    • Damage caused by power surges

    • Coverage for large appliances, such as refrigerators, freezers, ovens, washers, and dryers

What doesn’t Asurion cover?

    • Loss or theft

    • Cosmetic damage that doesn’t affect how the device works

    • Pre-existing issues or manufacturer-covered defects

    • Accessories not included with the original purchase

    • Software problems, viruses, or data loss unrelated to hardware failure

    • Damage from misuse, improper installation, or unauthorized repairs

    • Consequential losses

    • Cosmetic parts or decorative components

    • Routine maintenance

    • Damage from disasters, pests, or extreme weather

    • Items not located in your home

    • Consumables and parts meant for regular replacement

    • Cosmetic defects or parts that don’t affect performance

    • Loss, theft, or damage from negligence

    • Damage during transit or storage (unless at an Asurion repair center)

    • Minor pixel issues that don’t affect device function

    • Software-related problems, including viruses or firmware issues

    • Products located outside the U.S. or without a valid serial number

    • Breakdowns during delivery, storage, or transit

    • Plumbing or electrical systems not part of the appliance itself

    • Failure from improper coolant/lubricant use or contamination

    • Consumables like filters, hoses, brushes, coils, and belts

    • Liability for injuries, property damage, or appliance misuse

Asurion coverage plans and pricing

Each Asurion plan offers different levels of coverage, depending on the item. See an overview of Asurion’s plans and pricing below:

How customers feel about Asurion

Asurion receives high scores on consumer rating sites. For example, it’s accredited by the Better Business Bureau (BBB) and has an A+ rating.2 It also has 4.6 out of 5 stars on Trustpilot with more than 109,000 reviews.3 Customers say it’s easy to file a claim and praise the company’s customer service. Many also appreciated receiving replacement devices as soon as the next day.

While reviews are generally positive, some customers complained about claim denials or delays, primarily due to misunderstandings about what the plans cover. A few also mentioned device repair quality issues.

Where Asurion stands out

Many customers have left positive reviews for Asurion — 78% of reviewers gave it 5 stars on Trustpilot. Users frequently mention fast service and helpful customer service reps. They also like that the company offers:

  • Quick claim approvals and next-day device replacements

  • Friendly, responsive customer service via chat, phone, and in-store repair partners

  • Convenient support options, including tech help and repair scheduling

Where Asurion falls short

While many customers report positive experiences with Asurion, negative reviews mention denied claims, confusion about what it covers, and problems canceling service. Some common complaints include:

  • Frustration with the overall claims process, including denied claims

  • Delays in repairs or replacements, especially during high-demand periods

  • Cancellation and billing issues, including trouble stopping service and unexpected charges

How to file a device insurance claim with Asurion

Follow these steps to file a claim with Asurion:

Asurion device insurance FAQs

Below are answers to some frequently asked questions about Asurion’s coverage and costs.

  • Is Asurion device insurance worth it?

    Yes. Asurion device insurance can be worth it if you’re prone to breaking your devices and want fast, convenient replacements. Check to make sure the monthly cost and deductible are lower than what you’d pay out of pocket for repairs or replacements.

  • What kind of damage does Asurion cover?

    Asurion’s insurance covers drops, spills, cracked screens, power surges, and internal failures due to normal wear and tear. Some plans also include 24/7 tech support.

  • Which companies use Asurion?

    Asurion partners with major wireless phone carriers like Verizon, AT&T, and T-Mobile. It also offers protection plans through retailers like Amazon, Walmart, and Best Buy.

  • Who owns Asurion?

    Asurion is a privately held company with multiple investors, including Berkshire Partners and CPP Investments.

  • Do you have to pay a deductible with Asurion?

    Yes. Most claims require a deductible or service fee, but the exact amount depends on your plan.

  • How can you contact Asurion?

    You can reach Asurion through its website, on its mobile app, or by phone. For claims and tech help, support is typically available 24/7.

Jamie Johnson
Jamie Johnson

Jamie Johnson is a Kansas City-based personal finance writer whose work has been featured on several of the top finance and business sites in the country, including Insider, Credit Karma, Bankrate, Rocket Mortgage, Fox Business, Quicken Loans, and The Balance. For the past six years, she's dedicated more than 10,000 hours of research and writing to more than 2,000 articles about personal finance topics.

Jamie has been a contributor at Insurify since October 2022.

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