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Insurance you buy with At&t is a scam - BEWARE.
It's too late for us, but do not buy the insurance! At&t has partnered with an unscrupulous, unethical company called Asurion. After paying $165 in monthly premiums ($10.99/mo.) they want another $99 to replace the phone. With all that money I could just buy a brand new phone!
** And Asurion sends you a USED replacement phone, not a new one!!
And get this - if it was just 4 months ago that the phone broke, they would have charged DOUBLE that --> $199!! That would have been a total of $320!
And what is *really* upsetting is that our salesman at the local store seemed really nice. He excitedly told us about how great this insurance was and was really encouraging us to buy and NEVER ONCE mentioned any so-called "deductible" (which is really a charge for a refurbished phone) to pay IN ADDITION when making a claim. Do they get a commission from selling this insurance? It's not like auto insurance where your $500 deductible is a small fraction of the repair/replacement cost of a wrecked car.
There are horror stories all over the internet. I wish I had checked before buying 😞
If it's not too late for you, look into extra warranty protection from the manufacturer of your phone. And cancel this insurance if you're already paying for it! Shame on At&t to bring this onto their customers. They should partner with a good company or handle insurance themselves.