iPhone X Screen Repair = $279

zamardii12 said:
$8.99/month for Insurance through AT&T for the X is about $220 for 24 months. I'll stick to that (and a screen protector and case). :)
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Except that is just the monthy fee. You will still have to pay a deductible of some sort and of course shipping.
 
zamardii12 said:
http://www.phoneclaim.com/att/mimppdeductibletiers

According to AT&T directly the Standard deductible for the iPhone X is $299. So not that far off from the $279 for the screen. The insurance is worth it no matter how you slice it.
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Negative. You missed what he said about paying a deductible. This is AT&T's info on their tier list:

AT&T's Website said:
Monthly Charge: $8.99 per mobile number enrolled, billed directly to your wireless account.
Standard Deductibles: A non-refundable deductible will be charged to your wireless account for each approved claim. Deductible amounts are based on device tiers: Device Tier A: $25, Tier B: $50, Tier C: $125, Tier D: $199, and Tier E: $299. The following deductible changes will be effective September 1, 2016: Tier B: $75, Tier C: $150, Tier D: $225. To see a full list of eligible devices and their deductibles go to phoneclaim.com/att/mimppdeductibletiers. Continuously enrolled customers who remain claim-free for 6 consecutive months or more can save 25% off the standard deductible; and at 12 consecutive claim-free months or more save 50% off the standard deductible.
Screen repair deductibles for connected devices: Screen repair deductibles for connected devices will be effective on or after November 15, 2016. A non-refundable deductible will be charged to your wireless account for each approved claim. Deductible amount will be based on device tiers: Device Tier A: not applicable, Tier B: not applicable, Tier C: $89, Tier D: $89, and Tier E: $89. Screen repair will only be available for eligible devices in select locations, both of which are subject to change at any time. Declining deductibles will not be applicable to the screen repair of connected devices, and the screen repair of a connected device will not impact declining deductible eligibility. Go to att.com/protectioncenter for more information.
Claim Limits: 2 claims within any consecutive 12 months with a maximum device value of $1,500 per occurrence.
Replacement Device: Claims may be fulfilled with new, AT&T Certified Like-New, or other models of like kind and quality. Colors, features, and accessory compatibility are not guaranteed.
Repaired devices: Screen repair may use new or refurbished parts or equipment and may void the manufacturer warranty.
Cancellation Policy: You may cancel your optional insurance coverage at any time and receive a refund of your unearned monthly premium or charge. We may cancel or change terms by giving you prior written notice as required by law. Any unearned premium or charge will be refunded to you.

Terms and Conditions: For complete coverage details, visit att.com/miterms.

Must enroll within 30 days of new activation or upgrade unless currently enrolled in Mobile Protection Pack or Multi-Device Protection Pack. Requires eligible device with active AT&T postpaid wireless plan (excludes GoPhone®) in good working condition at enrollment. Coverage for loss, theft, accidental physical or liquid damage, and mechanical and/or electrical malfunction after expiration of manufacturer warranty period. Additional restrictions apply. All applicable taxes and surcharges extra. AT&T Mobile Insurance is underwritten by Continental Casualty Company, a CNA company (CNA), and administered by Asurion Protection Services, LLC (In Iowa, license #1001002300. In California, Asurion Protection Services Insurance Agency, LLC, CA Lic. #OD63161. In Puerto Rico, Asurion Protection Services of Puerto Rico, Inc.), a licensed agent of CNA. All applicable taxes and surcharges extra.

AT&T, the AT&T logo, and all other AT&T marks contained herein are trademarks of AT&T Intellectual Property and/or AT&T affiliated companies. © 2016 AT&T Intellectual Property. All rights reserved.
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iPhone X falls under a Tier E device.

So over 2 years you'll pay $299. And if you ever break your screen you'll have to pay a deductible on top of that for $89. For a total of $388. The only way you make out on insurance is if you break your screen twice in two years (or a total of $477 for a "savings" of $81 over the cost of two screens). So, if you break your phone zero times in two years, you spent $300 on nothing. If you break it once in two years, it's a loss of $109 over just having Apple fix it. And if you break your screen twice in two years and you're that butter fingered, I'd suggest getting a better case or buying a cheaper phone. Because I don't think you're built to have nice things. (And there is no point in discussing damage past that point, as AT&T only covers up to two breakages in their insurance, as per the above quotation).

For all but the most negligent, insurance from AT&T makes no sense. Even if you were to break your screen twice, or make the argument that that is a problem for you, it makes more sense to buy AppleCare+ from Apple directly:
https://www.apple.com/shop/product/S6367LL/A/applecare-for-iphone-x
AppleCare+ costs $199 (or $100 less than AT&T's insurance). AppleCare+ covers two years. And for each incidence of screen breakage they charge $29, and they cover up to two display breakages. So doing that method and saying you accidentally break your screen twice at a cost of $260, it is already an immediate saving over AT&T's option without paying deductibles of $40. If one breakage than the savings is $129.
This of course isn't also discussing the difference in cost between AT&T's insurance versus AppleCare+ when dealing with total replacement service. Nor does it discuss at all how easy or hard it is to get replacement. I know that Apple will get your screen replaced same day if you have an Apple store near you and it's in stock. I also know they'll give zero hassle to do so. I also know I'll get an actual Apple replacement part (and even if they don't have it in stock, they'll likely just give you a new phone or total phone replacement in order to ensure you receive the best customer service). AT&T gives literally none of those guarantees, and more or less says so in writing in all of their fine print.

So, let's recap: AT&T's insurance is over costed. If you only occasionally accidentally break your phone, buying insurance is foolish. If you want extra protection, AppleCare+ is a far better option with far better coverage and it costs significantly less. AppleCare+ and the screen deductible combined is literally less money than their replacement service. And they sell this insurance because they know (and are banking on) the fact that most people that buy insurance won't use it (which is how all insurance companies make money). So either you buy their insurance and they make money, or you don't and break your own screen and they make money. But in terms of you the consumer, if you really think you're going to break a screen and need insurance, Apple's option is still by far the best, least costed, with highest level of service.
 
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We all know companies would not offer insurance if it wasn't profitable. I used to drop my phone a lot in the past, but I learned that it would all be avoidable if I don't try to do "too much" ie. if im walking to my car or walking around, I keep my phone in my pocket, and focus on what I am doing. If i have multiple things in my hand i make sure my phone isn't one. Thats what ive noticed how people drop their phones most, trying to do too much. Haven't dropped my phone in over 2 years.
 
bertkelmer said:
We all know companies would not offer insurance if it wasn't profitable. I used to drop my phone a lot in the past, but I learned that it would all be avoidable if I don't try to do "too much" ie. if im walking to my car or walking around, I keep my phone in my pocket, and focus on what I am doing. If i have multiple things in my hand i make sure my phone isn't one. Thats what ive noticed how people drop their phones most, trying to do too much. Haven't dropped my phone in over 2 years.
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Yes but at&t plan is just robbery. It makes no sense to buy the warranty through them.
 
zamardii12 said:
$8.99/month for Insurance through AT&T for the X is about $220 for 24 months. I'll stick to that (and a screen protector and case). :)
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And then pay $200 to have it fixed under insurance when it's time. No thanks. Apple Care Plus is what really covers it.
 
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