AT&T Insurance Claim – A Complete Step By Step Guide

In this article you will find all the answers related to what is AT&T insurance claim? How it Works?

Having trouble with your phone? Is this a new phone and you suddenly experience software issues/glitches or unexpected crashes? The exterior of your phone has been damaged or the screen has been broken. Whatever the issue, damage can be reimbursed or compensated and repairs can be made through insurance plans.

But how do you file an AT&T insurance claim? We are going to explain each detail step by step to take AT&T insurance claim.

What is AT&T?

AT&T Corporation, known as the American Telephone and Telegraph company, a company located in Dallas, TX provides long distance telephone and other telecommunications services. It is a descendant of the American Telephone and Telegraph Company, which built much of the local and long-distance telephone network links in the United States, becoming the world’s largest company and a standard for the telecommunications industry. This company was voluntarily divided into three smaller companies in 1996, one of which retained the AT&T name.

For almost a century, AT&T Inc. has been considered one of the largest companies, not only in telecommunications, but in the market as a whole in general prospectus. AT&T was as influential as Apple today at its peak. Today, AT&T makes money through four different segments which include communications, warner Media including television networks, premium paid services, and film and television production, Latin America which includes services offered to customers throughout Latin America and Xandr (Known for providing an advertising services).

A Little History:

AT&T is the world’s largest telecommunications company, originally founded as the Southwestern Bell Telephone Company in 1880. In 1918, AT&T obtained a government control to become the sole provider of telephone services in most areas of the United States. Then, in the early 1970s, the federal government changed its mind and filed an antitrust action against the company. The case was one of the largest and most complicated in history and took almost a decade to resolve. AT&T eventually got rid of its monopoly, leading to the creation of regional telephone companies, also known as Baby Bells.

In 2005, one of those babies, Southwestern Bell, ended up buying from its old father. Southwestern Bell later rebranded itself AT&T, indirectly leading to the creation of a company that can trace its roots back to the 19th century, but is known today primarily as a mobile phone service provider. AT&T’s phone business may have been taken for granted by generations of consumers, but it’s important to remember that cellular technology was as revolutionary at a time as the Internet or AI (artificial intelligence). The idea of ​​being able to converse with someone live, without having to be in the physical presence of each other, has not only transformed everyday life, but has made the business an endless flow of money.

On December 21, 2018, AT&T launched its 5G mobile network in 12 cities in the United States, becoming the second largest telecommunications provider to do so after Verizon. The first wave of 5G cities includes Atlanta, Charlotte, Raleigh, Dallas, Houston, Indianapolis, Jacksonville, Louisville, Oklahoma City, New Orleans, San Antonio, and Waco. The first 5G Samsung phones were launched in early 2019. But that is not it, as we said, AT&T is a giant and offering a range of services which include:

  • Mobility services
  • Internet & networking services
  • Internet of Things
  • Voice and collaboration
  • Cybersecurity services
  • Cloud solutions
  • AT&T 5G
  • AT&T Edge Solutions
  • Content and entertainment
  • DIRECTV for Business
  • AT&T Digital Signage Solutions
  • Warner Media Content Experiences

That is not just it, each of these 12 services has their own range of specialized services. For example, if we just take Mobility services in consideration, it is offering following services:

  • Business messaging
  • Device management programs
  • Field management
  • In-building wireless
  • Mobile devices
  • Mobility rate plans
  • International add-ons
  • Mobile remote access
  • Mobility features
  • Mobile business solutions
  • Mobility professional services
  • AT&T business fast track
  • Device financing and trade-in
  • AT&T right to you

From this we can have an estimate of how large AT&T is and what kind of services they are offering.

Let’s take a look at AT&T’s communication business:

AT&T’s communications segment is by far the largest, accounting for 84% of the segment’s total operating revenue in 2018. This part of AT&T’s business provides wireless network equipment and services. business services and entertainment services for businesses and residential customers throughout the United States. AT&T communications products include bundled packages that offer products that include video, internet and voice offerings. The Communications segment can also be divided into Mobility, which represents 39% of the turnover.

Entertainment Group, which accounts for twenty-five percent of money generation, and Business Wireline, which represents fourteen percent. Mobility is the most important component of the communications division. This is the service we are a bit familiar with. If you have an AT&T plan or insurance on your phone, it is a part of AT&T’s segments. At the end of 2017, the company had 171 million wireless subscribers in North America alone.

According to an annual report in 2018, AT&T’s operating income for 2018 was well over one hundred and seventy billion dollars ($170.8 billion). That represents an increase of around 6.4% over the year 2017. AT&T’s adjusted earnings per share for 2018 was $ 3.52, up 24% from two years earlier. The company has a market capitalization of $ 247.9 billion as of July 11, 2019. Numbers suggest how big AT&T is and the revenue they are generating.

AT&T has given America the largest, advanced, and most efficient telecommunications network as compared to any country in the world. The company was responsible for most of the major technical advancements in telephone services, switching systems, and signal transmission during the 20th century. AT&T pioneered the construction of transoceanic radio telephone links and telephone cable systems, manufactured early warning radar systems for the US Department of Defense (USDD), and created the Telstar satellite communications system as well.

Now Let’s talk about something real, that is AT&T insurance claim.

AT&T insurance claim

What Is Phone Insurance?

First thing first, have you ever speculated what phone insurance is and if you really need it or not? What if the cell phone insurance is different from the manufacturer’s warranty? And is it better to buy phone protection from your service provider, insurance company, or phone manufacturer?

These are all good questions. But, first ask yourself this. Folks buy new expensive new phones and spend hundreds and thousands of dollars but some face a very bad experience as their phone dies right after the warranty of the phone ends.


Some people learn the hard way but others can lean from the bad experience of those folks. The good step is to go for the insurance so that you are on the safer side down the road.

Insurance vs warranty

The manufacturer’s warranty covers problems such as the phone not working as it should. But you generally don’t get paid for lost, stolen, or physically damaged phones. With that said, some warranties cover accidental damage due to handling, so review yours phone warranty carefully. Extended warranties allow you to continue this coverage beyond the first year. Smartphone insurance generally covers lost, stolen, and damaged phones. Some, like AT&T’s insurance claim, uses Asurion, even cover liquid damage. Many people ask “How much is an insurance claim for AT&T”. Be sure to read your specific policy to learn more about the coverage you have before you need it.

Also consider that you may have to pay AT&T insurance deductible tiers if you make an AT&T warranty claim. Some policies have deductibles that decrease if you don’t file a claim for the first six or twelve months.

From Where You Can Buy An Insurance For Phone?

If you decide to purchase insurance within 14 days of buying your phone, you will have many options. There’s the manufacturer, your mobile service provider, and independent insurance companies who offer phone insurance.

Service providers like AT&T make it easy to buy protection and pay for it over time on your monthly wireless bill. You must purchase insurance within thirty days of activating your phone. You can also buy insurance from the manufacturer of your phone. A big advantage, your plans can be accompanied by technical support by phone, in a store or online chat.

Buying insurance from an independent insurer gives you more flexibility. If your phone is working and in good condition, you can register at any time. You could even negotiate a discount if you insure other things like appliances, cars, or your home through the same company. Moreover, it is never hurts to ask at all.

How Phone Insurance Works?

Starting with the basics, phone insurance promises to repair or replace your device when the chips run out. There are two basic methods of obtaining coverage, either through your mobile operator as a supplement to your monthly bill, or through a third-party monthly subscription service. AT&T and Sprint depend on a company called Asurion for their smartphone insurance business, while T-Mobile and Verizon use Assurant.

These two key companies promise a replacement the next day in various scenarios such as, Lost, flight, physical damage, water damage, mechanical defects after the end of the manufacturer’s warranty. These plans tend to cost between hundred dollars and two hundred dollars annually. If you make a claim, you must pay a deductible of fifty to three hundred dollars, depending on your device, before coverage takes effect. Sometimes paying for all of that, you often get a refurbished replacement phone, not necessarily a new one! The other way to get insurance on your smartphone is to buy separate coverage from your wireless service provider.

How AT&T insurance claim Works

When you file an AT&T insurance claim for phone, you first enter the model number of the affected device. The process is quick and quite easy. Online, click the button to file or track a complaint and you can do it 24/7.

You may receive a replacement phone if your complaint is approved in just 24 hours. All replacement phones are also covered by a one-year warranty. They give you unlimited support for setup, troubleshooting, and other training for a new device. If you purchased your policy with AT&T, you can log into your account or visit the AT&T home page to file a phone insurance claim directly with Asurion.

You will need to provide the make and model, as well as all the details of what happened and when it happened. The more information, documents or evidence you can provide, the faster your application can be approved. Depending on the insurance program you have, there are different deductibles and service charges for things like failures, device replacements, broken screen repairs, and other damages, the amount of which varies by tier. of the insurance coverage you have.


Two claims in 12 consecutive months with a maximum value of $ 2,500 per event. If you were previously enrolled in AT&T Protect Insurance for 4 or AT&T Protect Insurance for 1, claims from those programs that are less than 12 months old will carry over and apply to the limits of the claims of a new certificate of coverage from AT&T mobile insurance. Monthly charges $8.99 per mobile number enrolled.

AT&T mobile insurance

Asurion’s mobile insurance covers lost, stolen or damaged phones and malfunctions not covered by the manufacturer’s warranty. Maximum of two claims in 12 months. Monthly cost $8.99 per device. Deductible $150 to $299 for most smartphones. It depends on the device and could drop 25-50% with the company’s decreasing franchise program.

Mobile Protection Package

Includes all Mobile Insurance features as well as ProTech support (unlimited online tutorials and technical support) and, on eligible devices, the AT&T Protect Plus app Offers photo, video and contact support and the ability to locate and lock your phone in a secure way. remote, among other things. Monthly cost 11.99 dollars per device.

Multi-device protection package

It includes all the features of the Mobile Protection Pack, but covers three devices and up to six claims for 12 months on those devices. Monthly cost $34.99 per account.

AT&T Insurance Deductible Tiers

Pay your device deductible on your wireless bill.

The amount you pay for your deductible depends on the type of phone you have. The cheapest folding phones or non-smart devices can cost between $ 25 and $ 75 per franchise, while the newer smartphones will cost between $ 225 and $ 299 when you replace them. Pay the deductible in full on your next billing cycle to avoid additional charges. You can only make 2 insurance claims with device coverage of $ 1,500 per year. You may be able to break the deductible into smaller payments spread over several months. Talk to AT&T Customer Service to learn about your options.


Some deductible details:

Replace Deductible

A non-refundable deductible will be charged for each approved claim. Deductible amounts are based on device levels.

Standard deductible

  • Tier A $25
  • Tier B $50
  • Tier C $125
  • Tier D $200
  • Tier E $250
  • Tier F $299

Screen Repair Deductibles

Standard equipment allowance

  • Tier A N / A
  • Tier B N / A
  • Tier C $49
  • Tier D $49
  • Tier E $49
  • Tier F $49

AT&T Warranty Claim

See the warranty terms and conditions to find out if your phone is eligible. Only devices you have purchased from AT&T or from an official reseller are covered by a warranty. The devices may also have no physical or liquid damage, or they will be deemed ineligible. If you bought your phone new, the warranty lasts for 1 year from the date you bought it. If you purchased the device as certified new or certified restored, the warranty covers it for 90 days after purchase. Apple products such as iPhones and iPads can only be shipped to an Apple Store or use the AppleCare warranty. AT&T certified used phones are not covered under AT&T Warranty Claim.

If you have bought the phone from somewhere other than AT&T, use the warranty provided by the manufacturer with your phone. Please allow 4 to 6 days for the replacement phone to arrive in the mail. Once AT&T Warranty Claim receives your warranty claim, they will send you a replacement phone that is the same or similar to the model you already own. The phone you get may be refurbished or your old property, but it will have another 90-day warranty in case it is also defective.

You can also pay for expedited shipping and receive your replacement within 1 to 2 days. Pay a fee on your next bill if your phone is determined to be ineligible for warranty. If your old phone was under warranty and did not suffer any other damage, you will not have to pay anything. However, if your device was damaged or did not meet warranty requirements, you will see a bill on your next statement for the cost of your new phone. Make the additional payment on your bill immediately to avoid additional charges.

You may be able to negotiate with AT&T to split the charges into smaller payments on multiple bills if you cannot pay the charges up front. Please allow one to three days for your replacement phone to arrive in the mail. If you filed your complaint on a business day, you should receive your replacement phone the next day. If you filed your claim over the weekend, it may take two to three days for you to receive your replacement. Once you have received your new phone, you can start using it immediately. If your new phone doesn’t work, you may need to take it to an AT&T location, they will activate it for you.

AT&T Lost Phone Replacement

Once your application is approved, you will receive your replacement device the next day. Claims can be satisfied with new or refurbished AT&T certified equipment that has been previously opened and/or used which can be reconditioned or remanufactured and may contain original or non-original parts of the same model or other models of similar type and quality. See restored for details on these devices. Colors, functionality and compatibility of accessories are not guaranteed.

Note: Claims approved by 5:00 p.m. CT will be dispatched and, in most cases, delivered the next day. Deliveries to Alaska, Hawaii, Puerto Rico and The US Virgin Islands cannot be shipped for next day delivery. Complaints can be refilled with new equipment or AT&T certified as new. The same or other models of the same type and quality colors, features and compatibility of accessories is not guaranteed.

AT&T Mobile Insurance Is Worth It

Replacements Are Expensive

Deductibles are actually lower than the cost of a new phone. People with smartphone insurance are sometimes surprised to find that they have to pay a deductible when filing a claim. But just because you have to pay a deductible when filing a claim doesn’t mean insurance is unnecessary. With confidence, you will always be one step ahead. The average deductible is a bit lower, even after to take into account the monthly costs of insurance.

Filing A Complaint Is Very Easy

Contrary to popular belief, filing a mobile insurance claim is not a headache and you won’t have to wait for hours. You can file a complaint with Asurion 24 hours a day, 7 days a week, online or by phone. Additionally, Asurion ships approximately 96% of its replacement phones for next business day delivery. It’s certainly worth making an appointment with your neighborhood cell phone company for the privilege of paying full price for a replacement.

Exterior Repairs Are Risky

You may not always be able to repair your phone if it breaks down. If your phone is serviceable, you have a few options, but device repairs often void your smartphone’s manufacturer’s warranty. This generally does not apply to lost, stolen, or waterlogged devices. Also, if something were to happen to you, the manufacturer is released and you are left with an invoice.

The Toughest Protective Cover Does Not Cover Everything

While investing in a protective phone case is a smart move, as it’s everything between your smartphone and a ruthless sidewalk, it doesn’t prevent your smartphone from being lost, stolen, or suffered. Irreparable water damage. Approximately 80 million phones are lost, stolen or damaged each year, at a rate of 2 phones per second. AT&T with Asurion unlike most other companies, covers loss, theft, accidental damage, malfunction, and in some cases normal wear and tear. You can have benefit from AT&T lost phone replacement.

Do Not Take Risk

Phone insurance, such as medical or vehicle coverage, is worth it and is not a scam. But don’t just take any word for it read reviews from real customers, insurance helped recover from broken screens, water damage, and even lost or stolen smartphones within 24 to 48 hours with the help of AT&T warranty claim.

Having Phone Insurance Can Save Your Day

Mobile insurance can usually only be added a few days after activating a new phone. If you are not replacing your device now, you may want to check with your mobile operator to see if you can add it. There may be an open registration period ahead.


Peace of Mind

Some think that insurance is not a good value because you probably never need it. At the end of the day, you take a chance without phone insurance. Insurance offers the protection you need, along with a host of valuable features such as virus protection, phone tracking applications, automatic data backup, and live technical support.


Insurance is a good thing for sure as it provides you a level of satisfaction and peace of mind. The phones are getting smarter but expensive as well at the same time. Having your phone insured gives you a relief that in case of any mishap your insurance company will cover you all the way down the road. You can use the facility of AT&T insurance claim anytime and you will get a new phone.

Tony Bennett

Tony Bennett

Tony Benett makes his living in the insurance industry by teaching and consulting. He is also recognized by the legal profession as an expert on insurance coverages. His insurance experience includes having worked at the company level, owned an independent general agency and having worked for an insurance association. He has received various certificates over the past few years and helps his clients and readers by giving them a realistic outlook on what they can expect to achieve within their set targets. At Insurance Noon, he is known for his in-depth analysis and attention to details with accuracy. He has been published as one of the most referred agents by his peers in the insurance community. Tony loves the outdoors and most sport events. His passion other than providing excellent advice is playing golf.