Cell Phone Coverage Information

Man holding cellphone

How do protection plans work on a phone?

Cell phone protection plans may cover situations where your phone is damaged or stolen. Some of the most common damages are not covered by the manufacturer's warranty, such as a cracked front screen, liquid damage, or a battery that won't charge. These situations can result in high repair fees without a protection plan.

With Lori® Device Protection plans provided by Assurant you have a variety of options allowing you to select a coverage level that fits your concerns and lifestyle. Lori® Device Protection offers a premium plan which includes theft coverage. Plan terms are up to 12-months, can be canceled at any time, and you may choose to pay monthly or annually.

Once you have coverage, filing a claim is easier than ever. Lori® Device Protection customers can log in to the app to file a claim within minutes. Repair claims are reviewed in real-time, and most claims are decided within a business day.

Scheduling a repair service is simple with Lori® Device Protection. With concierge and drop-off repair options, you can choose the date, time, and place from our network of service providers. Any applicable service fees/deductibles are paid directly through the app for a touchless experience.ATV rider on a dirt path

Is it worth it to have cell phone protection?

No one expects to break their cell phone, but things happen. The latest smartphones cost as much as $1,500 to replace and can cost hundreds of dollars to repair. Cell phone protection reduces the cost and will help cover you if your phone is accidentally damaged.

Does Lori® Device Protection cover a cracked front screen?

So, you dropped your cell phone (again). And this time, your screen didn't fair too well as it has a big crack down the middle of it. If you have phone protection, accidental damage like a cracked screen can be repaired as soon as the same day. Lori® Device Protection plans offer come-to-you repair options or drop-off service, and claims are typically reviewed and processed on the same day.

Without a protection plan, a cracked front screen on the latest devices can cost hundreds of dollars to repair.

Do I have to buy protection from my wireless provider?

No! With Lori® Device Protection, you don't need to purchase a protection plan at the same time you purchase a phone. Lori® Device Protection offers plans for both new and used cell phones, with coverage available for older phone models.

Is your cell phone broken again? No worries, life happens. GEICO Insurance Agency and Assurant® have partnered to protect your cell phone from accidents like broken front screens, liquid damage, power surge issues, and/or theft depending on the plan you choose.

Protection plans may not be available in all states. Mobile device coverage is written through non-affiliated insurance companies and is secured through the GEICO Insurance Agency, LLC. The Essential plan is provided through a service contract. The Spoil Me plan is a combination of insurance and a service contract. The above does not modify any definitions, exclusions or any other provision expressly stated in your insurance policy or service contract. We encourage you to read your coverage documents to fully understand your benefits.

When you click on the "Get a quote online" link you will be taken to a site owned by Lori® by Assurant, not GEICO. GEICO has no control over the privacy practices of the company mentioned above and assumes no responsibility in connection with your use of the Lori® website. Any information that you provide directly to them is subject to the privacy policy posted on their website.

Service Contract coverage (Breakdown, Power Surge, and Damage) is provided by Federal Warranty Service Corporation in all states except in California where the Provider is Sureway, Inc.; in Florida where the Provider is United Service Protection, Inc.; and in Oklahoma where the Provider is Assurant Service Protection, Inc. Property Insurance coverage (Theft) is underwritten by American Security Insurance Company (NAIC 42978) in all states except in NH and MT where the underwriter is American Bankers Insurance Company of Florida (NAIC 10111). All these companies operate under the trade name Assurant.