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Free Cell Phone Information: Insurance

By Steve Jackson
Telstreet

One of the benefits of today's wireless phones is their size: they're small and compact and can easily fit in a pocket.

It's also one of the drawbacks. Because today's phones are so small, it's very easy to lose them or have them stolen. That's why you might want to consider buying insurance for your handset.

Replacing a lost or stolen handset can be an expensive proposition. The price you paid for your phone when it is was new isn't really indicative of the handset's true costs, since carriers tend to subsidize part of the expense. You can count on paying at least 50 percent more for a phone when you purchase it on its own instead of in conjunction with a new service plan activation.

You can avoid that cost by purchasing an insurance policy for your phone. These policies are purchased through your carrier, and are frequently called equipment protection or handset replacement plans.

A typical insurance plan will run between $3 and $5 per month per phone. The premium covers the cost of replacing your handset should it be lost, stolen or damaged. Most plans will even include accessories that are lost or stolen, such as battery chargers, cigarette lighter adapters, extra batteries, carrying cases and hands-free kits.

If you need to make a claim, you will probably have to pay a small deductible - between $25 and $50 - but that is far less expensive than having to pay for a new handset.

You can sign up for insurance coverage when you purchase your new service plan and phone. If you already have a plan and phone, you can contact your carrier for information on their insurance program and to sign up.

Phone Resources

Here's a resource site: http://fommy.com. This store has accessories for BlackBerry, iPod, LG, Motorola, Nokia, Sanyo, Samsung, and Treo

Other cell phone sites

 

Need a wireless telephone headset? Check these out:

nics Wireless Headset, PL-CS50
Plantronics Wireless Headset, PL-CS50
 
MSRP:$299.95 $209.99


 


This Plantronics 900MHz CS50 wireless headset allows your phone calls to be efficiently hands-free with business ... more info
Plantronics Wireless Headset, PL-CS50_HL10
Plantronics Wireless Headset, PL-CS50_HL10
 
MSRP:$389.95 $249.95


 


This Plantronics 900MHz CS50 wireless headset is bundled with the compact and discrete HL-10 handset lifter, f ... more info

 

Plantronics Wireless Headset, PL-CS351N
Plantronics Wireless Headset, PL-CS351N
 
MSRP:$339.95 $239.99


 


This Plantronics SupraPlus SL Monaural wireless headset allows your phone calls to be efficiently hands-free w ... more info
Plantronics Wireless Headset, PL-CS351N_HL10
Plantronics Wireless Headset, PL-CS351N_HL10
 
MSRP:$399.95 $279.99


 


This Plantronics SupraPlus SL Monaural wireless headset system includes the compact, discrete HL-10 handset li ... more info

 

Need a cordless phone? Check these out:

Uniden DECT 4-Handset Phone System
Uniden DECT 4-Handset Phone System
 
MSRP:$119.95 $89.95


 


The Uniden DECT1580 is a cordless DECT 6 phone answering system with 3 extra handsets, so you can answer the p ... more info
Panasonic KX-TG6513B expandable cordless phone sys, 3 handsets
Panasonic KX-TG6513B expandable cordless phone sys, 3 handsets
 
MSRP:$84.95 $81.99


 


The Panasonic KX-TG6513B Cordless DECT 6.0 Phone system is expandable and comes with 3 nonslip (rubber grip) h ... more info

 

  • Need to stop annoying fund-raiser calls? The only way to do this is to ask them to take you off their list. This often does not work, so hanging up on them is your next best solution.
  • Does someone suck down your time with a call just to chat? Set a 30 minute limit to all calls. Let this person know at the start of each call that you have 30 minutes, not 31 to talk. While on the phone, you can do dusting, filing, and other mindless chores. Or really focus on that conversation so the person gets the "fix" that prompted the call in the first place.
  • Do people call you at inconvenient times? Then don't answer. Taking a call when you don't want to can easily result in rude behavior on your part, even if you don't intend to be rude. If the matter is important, the person will call back.

 

 

 

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