Shuman Roy is an entrepreneur, business owner, and musician. He started RoysNoys, LLC in 2013 as a music production and education service company. He also offers small business consulting and advisory services to help businesses get from start-up mode to turn-key operations. Shuman earned his M.B.A from the Stern School of Business in 2001 and has an undergraduate degree from Manhattan College in ...

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Joel...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Oct 14, 2021

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Whether you’ve thought about it or not, it was just a matter of time before this type of insurance product flooded the market. Let’s face it – smartphones are taking over the world.

And despite the fact that most of us don’t have money in our budgets to purchase and operate these devices, we’re buying them anyway.

Enter ‘protectyourbubble.com’. This company is now offering some pretty comprehensive coverage for iPhones, tablets, and other types of smart phones.

Their advertising tells us that customers, otherwise known as we the people, can pay about $7.99 per month to cover our ‘babies’ against unforeseen incidents that keep us from Facebooking our relationship status while we’re driving. Much like an insurance company offers varying degrees of coverage, their protection will help with the one-off occurrences, such as liquid damage, any other accidental damage, or theft. But more on what they protect your mobile phone from down below.

Speaking of the intermingling of insurance and smartphones, we may soon be able to demonstrate our proof of car insurance by using our iPhones.

What coverage does protectyourbubble.com offer?

These guys are serious about iPhone coverage. This is the real deal when it comes to covering your iPhone. So, what exactly are you getting for $96 per year?

Loss & Theft Coverage – This is a big deal, as most of their competitors do not offer this type of coverage. Most insurance policies consider ‘loss’ of a piece of property to be a form of negligence, i.e. it’s your fault it’s gone, so don’t come crying to us! In this case, you can actually file a loss claim, which is an astounding level of coverage.

Spills and Damage – Even the best of us have spilled our 100 oz. soda on our smart phone. It’s a fact of life. And don’t even talk to us about shattered or cracked screens. They’re the worst, and sadly they happen. No problem here, you’re covered!

Next Day Phone Replacement – Let’s face it, if you’re willing to drop $500 on a phone, $100/month on service and an additional $100 for insurance…you’re can’t live without your phone. Protectyourbubble.com knows this and isn’t going to make you wait. Sometimes even a 48hr replacement can be too far away, they understand that. They get it.

Mechanical Breakdown – Your phone stops working and you’re covered! A mechanical breakdown could mean just about anything. It’s a good feeling to know no matter what it is, you’re good to go.

Coverage Anywhere in the World – Most property insurance policies have restrictions based on where you’re at in the world. Protectyourbubble.com offers coverage with no geographic limitations.

Credit Monitoring – If TTAI’s smart phone is lost or stolen, we’re in trouble. Our whole life is on our phone. Nothing would make us safer than three months worth of credit monitoring after our phone is gone to reassure us that we aren’t the next identity theft victim.

Lock/Wipe/Locate – Read the fine print on this one, but if you ‘qualify’ this is a pretty cool deal. Lock your phone, wipe all of your embarrassing personal details and locate your stolen device using this service. Talk about security – this is the top-of-the-line in that respect! Granted you’ll want to take reasonable precautions afterward; no sense in getting lax with your phone’s security even if you have coverage.

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What’s the catch?

Always trust TTAI to look at the whole picture and let you know about the fine print. You can learn a lot by customer reviews and a little digging. Here are a few of the details that you will not hear about on the television commercials:

90-Day Registration – This coverage is only available to those who purchase coverage within 90 days of buying their phones.

The Deductible – There is a $120 non-refundable deductible associated with any covered claim. In insurance terms, this means that no matter what happens to your phone, if it costs less than $120 to ‘fix’ your problem, don’t even bother to call these guys. Considering the fact that most of these phones are only valued at about $400 to begin with – you better have a SERIOUS problem or you’re not going to win with this policy.

Further, your device may be repaired or replaced with new or refurbished equipment – WITH A DIFFERENT MODEL THAN THE ORIGINAL – in the event of a covered claim.

That said, you might want to save your money and skip this insurance policy. The highlights make it sound like you’re going to get a new iPhone if anything happens to your current phone. This is clearly not the case after our review of the product. If you want to do the research yourself, look up customer complaints, bubble reviews, and the business details that are online regarding this site and their offered coverage.

Odds are you’ll likely lose your coverage options after you satisfy your deductible or wind up with a refurbished iPhone if yours is lost or destroyed. If you’re like us, it’s all about the newest and the best. Is the protection against loss worth it if it’s only for a short amount of time? Plus, don’t even mention warranties to Apple after having them look at or repair your phone. Chances are you’ve blown it with them by sending your phone somewhere else.

It’s NOT about paying nearly $100 per year, plus a $120 deductible to get a rebuilt phone if yours is destroyed. To recap, that’s about $220 per year (insurance premium + deductible) to get a rebuilt phone that costs less than half to purchase new, and is almost worthless after a year anyway.

NO THANKS!

Read more: Can I get insurance for my iPhone?

(photo: jmorgan90)