Did You Just Purchase An Iphone?

You just purchased an iPhone or clone, such as Droid

, and you need to cover it with iPhone insurance. First, you need to consider a few extra factors.

Where do I live and work? Do you live or work in a high-theft area, where your phone or your life might be in danger if someone sees you using your phone? On the other hand, is your area near a construction zone, where an unusual accident can kill your phone?

How do I use my phone? Do you use it just for phone calls? Do you consider your phone as a replacement for a palmtop? If you use it as an Internet-enabled palmtop / iPhone, you will have a considerable app library with data that is invaluable to you.

I spend several months a year overseas. What coverage do I need? Do you need to cover your phone for your frequent business trips to Japan or China?

Now that weve discussed the activities that will need to be covered, we will look at the purchase value of your phone.

For How Much Should I Insure My Phone?

If you have an older phone, you will probably be disappointed to hear that your phone did not hold its value well. However, if you have a 3G or 4G iPhone, you probably spent about 500 on it if you were in England. If you were in the US, that was probably about $1000. Therefore, you will want to insure it for at least the amount you paid.

Of course, if you buy your iPhone as part of a cellular plan, you wont pay full price for it. Therefore, I recommend that you shop around for various iPhones and iPhone clones, take down their full prices and insure yours for at least that amount. I say to, insure yours for at least that amount, because you will have added features to your phone, and you need to consider them, as well.

Many people who have iPhones or iPhone clones use them as mini-computers, and they also take pictures with them, which are stored on the ample hard drives within. In addition, users can add many apps to their phones to fit their needs. Therefore, because no amount of apps will make up for that one picture you have of your precious Chihuahua puppy under the Christmas tree. Maybe instead, you took your Chihuahua to the Grand Canyon on a once-in-a-lifetime trip and held onto the dog tightly as you boarded the Grand Canyon Railroad for a round trip to the bottom and back. The point is, you will need to back those pictures up, as well as getting overseas insurance. If youre insurance doesnt provide it, then Google online file backup and pick your favorite site.

by: Kristen Ross

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