Best Gadget Insurance Plans in the US for 2025: Are They Worth It?
So, if you’re like most people here in the US, you probably have at least a couple of gadgets you kinda rely on every day — smartphones, laptops, tablets, maybe even those smartwatches or earbuds. And let’s be honest, these things aren’t cheap. So it’s no surprise that a lot of folks start wondering about gadget insurance. You’ve probably seen ads or gotten offers from companies promising to cover your tech if something goes wrong. But are the best gadget insurance plans in the US for 2025 really worth it? That’s what I wanted to dig into.
First off, gadget insurance isn’t super complicated. Basically, it’s a plan you pay for monthly or yearly that helps cover repair or replacement if your device gets damaged, stolen, or breaks down unexpectedly. Sounds good, right? But there’s always that question of cost versus benefit.
From what I’ve gathered, the big players offering gadget insurance right now include companies like Asurion, AppleCare+, Samsung Premium Care, and third-party providers like Worth Ave Group and SquareTrade (which is now part of Allstate). Each one has its own perks and quirks.
AppleCare+ is probably the most well-known if you’re an iPhone or Mac user. It covers accidental damage (like drops and spills), battery issues, and hardware defects. The catch? It’s kind of pricey — sometimes up to $200 or more for a phone over two years. But if you’re clumsy or want peace of mind, a lot of people say it’s worth it. Plus, Apple’s service is fast and reliable, so repairs or replacements usually happen smoothly.
On the other hand, Asurion is huge because they often work with carriers like Verizon and AT&T. Their plans cover theft, loss, and accidental damage. The downside is that they can get expensive, and the claims process might sometimes be a bit frustrating, depending on who you talk to. But again, if you have an expensive phone and worry about losing or breaking it, it might be a solid choice.
Then there’s SquareTrade, which is popular for covering a variety of gadgets, not just phones — think laptops, tablets, and more. Their prices tend to be more affordable compared to AppleCare+, and they cover accidents too. However, coverage limits and deductibles vary, so you have to read the fine print carefully.
Worth Ave Group is more focused on theft and accidental damage for laptops and other devices, and they often cover gadgets stolen from outside the home — something many plans don’t do. They’re not as mainstream, but reviews say their customer service is decent and the pricing is competitive.
Okay, so now the big question: Are these gadget insurance plans worth it?
Honestly, it depends. If you’re the kind of person who’s super careful and your gadgets rarely get damaged or lost, you might feel like paying extra every month is just throwing money away. But if you’re someone who’s dropped their phone more than once or worries about theft, insurance could save you a lot of hassle and cash in the long run.
Another thing to consider is the price of your gadget versus the insurance cost. For a $1,000 phone, paying $10–15 a month might make sense. But for cheaper devices, insurance might not be worth it. Also, some credit cards offer limited protection when you buy gadgets with them, so check if you already have some coverage before buying a plan.
One more thing — many insurance plans come with deductibles, meaning you still pay a chunk out of pocket when making a claim. So, don’t expect everything to be free.
In 2025, it seems the trend is towards more flexible plans and coverage for newer devices like wearables. Companies are also offering plans that bundle multiple gadgets, which can be a better deal if you own a lot of tech.
To wrap it up, the best gadget insurance plans in the US for 2025 are definitely worth looking at if you want peace of mind and protection against unexpected accidents or theft. But you should weigh the cost against your own habits and gadget value. Don’t just sign up for the first plan you see — compare what’s covered, how much you’ll pay, and how claims work.
At the end of the day, if you’re like me and sometimes treat your gadgets like they’re invincible but deep down know that’s not true, insurance could be a smart move.