In 2025, iPhones continue to be one of the most valuable—and expensive—smartphones on the market. Whether you're using the iPhone 15 Pro Max or waiting for the upcoming iPhone 16, protecting your device with a solid insurance plan is more important than ever. Accidental damage, theft, or loss can cost you hundreds of dollars without the right coverage.
In this comprehensive guide, we’ll explore the best phone insurance options for iPhone users in 2025, comparing coverage, pricing, and unique features to help you make an informed choice.
Why You Need iPhone Insurance in 2025
Apple iPhones are more than just phones—they’re essential tools for work, communication, photography, and entertainment. As their features and price tags rise, so do the risks of loss, theft, or damage. Here’s why iPhone insurance is a smart investment in 2025:
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Expensive Repairs: A screen replacement can cost up to $400 without insurance.
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Theft Protection: With rising smartphone theft rates, insurance offers peace of mind.
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Loss Coverage: Not all warranties cover lost devices—good insurance does.
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Fast Replacements: Many providers offer same-day or next-day replacements.
Top 5 iPhone Insurance Providers in 2025
1. AppleCare+ with Theft and Loss
Best for: iPhone users who want direct Apple support
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Coverage: Accidental damage, theft, and loss
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Cost: Starts at $7.99/month or $149 for two years (varies by iPhone model)
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Deductible: $29 for screen damage, $149 for theft/loss
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Highlights:
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Genuine Apple parts and service
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Express replacement service
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Easy integration with your Apple ID
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SEO Tip: Many users search for "Is AppleCare+ worth it in 2025?" — and the answer is a solid yes for loyal Apple users.
2. Asurion (via Verizon, AT&T, T-Mobile)
Best for: Carrier subscribers looking for bundled protection
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Coverage: Cracked screens, water damage, theft, loss, and device malfunctions
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Cost: Around $12–$18/month depending on carrier and model
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Deductible: Varies by device, typically $149 for replacements
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Highlights:
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Unlimited claims (some carriers)
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Same-day repairs at select locations
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Tech support included
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If you're already using a major carrier, Asurion's mobile insurance plans may be the most convenient option.
3. Akko Phone Insurance
Best for: Affordable, all-inclusive device coverage
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Coverage: Accidental damage, theft, loss (for premium plans), and device accessories
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Cost: From $6/month for phones; $15/month for full device bundles
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Deductible: As low as $29
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Highlights:
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Coverage for used or refurbished iPhones
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Lower premiums than many competitors
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International coverage included
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Akko is ideal for students or budget-conscious users who want wide protection at a reasonable price.
4. SquareTrade (Allstate)
Best for: Independent buyers who prefer flexible terms
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Coverage: Drops, spills, mechanical failure, theft (with add-on)
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Cost: Starts at $8.99/month or one-time fees for 2–3 year plans
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Deductible: $149 per claim
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Highlights:
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Easy claims process via app or online
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Free 24/7 tech support
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Can be used with unlocked phones or multiple carriers
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SquareTrade is a solid option for people buying iPhones directly from retailers like Amazon, Best Buy, or unlocked from Apple.
5. Geek Squad Protection (Best Buy)
Best for: iPhone buyers who shop at Best Buy
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Coverage: Accidental damage, mechanical failure, battery replacement
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Cost: Starts at $7.99/month; varies by model
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Deductible: May apply for certain claims (like loss or theft)
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Highlights:
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Walk-in service at Best Buy stores
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Flexible payment options
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Battery replacements included
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If you buy your iPhone at Best Buy, bundling it with Geek Squad Protection offers quick service and extended benefits.
Comparison Table: iPhone Insurance Options (2025)
| Provider | Monthly Cost | Coverage Includes | Theft/Loss Included | Deductible |
|---|---|---|---|---|
| AppleCare+ | $7.99+ | Damage, Theft, Loss | Yes | $29–$149 |
| Asurion (Carrier) | $12–$18 | Damage, Theft, Loss | Yes | Varies |
| Akko | $6–$15 | Damage, Theft, Loss | Yes (premium plans) | $29+ |
| SquareTrade | $8.99+ | Damage, Malfunction | Optional Add-On | $149 |
| Geek Squad | $7.99+ | Damage, Battery, Malfunction | Optional Add-On | Varies |
What to Look for in iPhone Insurance in 2025
When shopping for iPhone insurance, keep the following in mind:
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Theft and Loss Protection: Not all plans cover theft or loss—ensure yours does.
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Deductible Amounts: Low monthly premiums may mean higher out-of-pocket costs when you file a claim.
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Repair Time and Convenience: Same-day repair or device replacement is ideal.
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Compatibility with Used or Unlocked Phones: Especially important for users buying pre-owned devices.
Final Thoughts: Which Insurance Is Right for You?
The best iPhone insurance in 2025 depends on your budget, phone usage habits, and repair expectations.
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Choose AppleCare+ if you want the best integration with Apple’s ecosystem.
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Opt for Asurion if you rely on your carrier for convenience.
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Try Akko if affordability and flexibility are your priorities.
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Go with SquareTrade if you want long-term protection with a one-time payment.
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Pick Geek Squad for in-person support at your local Best Buy.
No matter which option you choose, insuring your iPhone is a smart move in 2025. With phone prices and repair costs on the rise, it’s better to be covered than sorry.
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