Are ALL cell phone insurers ‘scams’?

https://www.pcmag.com/opinions/the-great-american-phone-insurance-rip-off

If you break one of your electronic devices, you will quickly discover that the insurance provided by Asurion [the one Verizon and some of the other large wireless carriers sell] is not simple replacement value insurance.

They will provide you a price that you will pay in order to obtain a replacement device — and it will not be an inexpensive option.

For this reason, we encourage people to purchase these ‘insurance policies with an eye towards utilizing them. Know before you engage with them that things aren’t as simple as they might appear.