Have You Ever Washed a Smartphone?

I washed a smartphone.  Not the way that one should clean a smartphone with a dry microfiber cloth, but rather I chose the way of “I’ll just ignore that hard lump in my jeans as I set the washer to cold and pour in my Tide.”  The poor little smartphone didn’t stand a chance and wasn’t discovered until I was moving the jeans to the dryer.

I’m not a particularly accident-prone person, which is why I didn’t feel the need for device insurance.  Hindsight being 20/20, of course I’d go back and pay the couple bucks a month to avoid needing to drop $500 to replace my device. Even if I had a time machine, the AT&T insurance plan wasn’t covering the smartphone at that point in time (it does now!).

It’s easy to want to avoid insurance – you pay your premium and if something bad happens, you ‘win’ by having that damage covered. If you’re lucky (or just not unlucky) you just never see that cash again.  I used to be very careful with my electronics, so I never saw the need for an insurance policy for my smartphone, laptop or anything else.  Now that I’m taking my replacement smartphone on long bike rides where I’ve dropped it on the road more than once, I’m starting to seriously consider putting insurance on my next device.  The great thing about a lot of insurance is that it’s not required, so consumers get to self-select whether they think they need it or not.

If you’re a business owner or decision maker, you have to weigh the benefits and drawbacks of paying that $5 a month against the potential for paying $500 or more to replace a device. Something as simple as letting your employees tell you whether they think they are a good candidate for device insurance can go a long way to making that an easier decision.  You don’t have to put insurance on every device.  People working away from the office are naturally going to experience more chances to lose or damage a device, even have it stolen.  Maybe your accounting team doesn’t need insurance, but your sales team running around all day in the rain probably does.

So, what do you think?  What factors weigh in for you on selecting insurance for electronic devices?  Do you have insurance on your smartphone?  If so, why?  If not, why not?  We’d love to hear from you and get your opinion.
David Egger IRU Mobility Programs Lead Marketing Manager AT&T About David