Mobile Insurance - not worth it!

[b2ashaw]

I've been paying for insurance on my Windows phone for more than a year now, and just tried filing a claim for the first time ever. I was feeling good about the fact I had insurance until I was told my 'replacement device' was a different model phone with fewer features and a smaller screen. Why would anyone spend money on insurance just to get a cheap replacement phone when they file a claim?!?  I would rather save the money spent each month for this insurance, and buy my own replacement phone with one that is equal - that's what insurance is supposed to do!  Lesson learned: don't opt for the mobile insurance if you are getting any decent model phone - it's not worth it.

[JFizDaWiz]

The phone you have must be old and no longer sold if they can't offer the same device

[BadBadLeroyBrown ACE - Warrior]

I've always said the insurance was a ripoff. My advice to people is to check with their homeowner's or renter's insurance (or their parents' insurance) to see how much an electronics rider costs. 

Unfortunately, as jfiz mentioned, Asurion can only replace phones for which they have refurbished models. Windows Phone is in kind of an odd place, as it hasn't gotten a lot of traction yet. Asurion is dependent upon people purchasing a phone, and for whatever reason returning it or making a swap via insurance or the warranty coverage. If a phone wasn't very popular to begin with, it's not likely that Asurion will be able to keep refurbs in stock for very long.