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In 2009 The US new cell phone market calculates out at $42 billion $39 billion locked cell phones with fast growing unlocked mobiles accounting for $3 billion in retail sales.

Phone insurance sales at the phone service providers is estimated at 20% of phones sold. Ergo $8 billion of locked new 3G cell phones are going to carry phone insurance of some kind. To compare cell phone insurance plans and prices accurately is imperative. Cell phone insurance is especially a factor when it is a fact you can get phone damage, a lost phone, stolen phone, phone data loss or just phone electrical failure at any time. Phone insurance especially means peace of mind in businesses where there are multiple handsets.

Many users are unaware of phone insurance or are under the misapprehension that manufacturer supported product covers all eventualities (which it certainly does not). Many cell phone owners are underinsured; many are over insured meaning wasted premium dollars for phone insurance or getting unpleasantly shocked when making a phone insurance claim, respectively.

Asurion cell phone insurance stands behind the big phone service providers including T Mobile insurance and Cellular One insurance (not mentioned yet). Essentially this means that there is one big phone insurance power behind the varied phone insurance policies offered. This implies similarity but nothing is further from the truth. The phone insurance products of ATT insurance and others have significant differentiations in coverage offered, claim limits, deductions, premiums and exclusions.

There are 4 key phone insurance categories, namely: Extended Warranties (EW), Phone Damaged (ADH), Lost phone and Stolen phone, and Data Back-up, with companies offering from one combination (Verizon insurance) to as many as four (AT&T insurance); requiring commitment from within two weeks of activation, to 30 days (irrespective of “newness” of the handset); offering claim limits from $150 to $1500 per claim; deductions from zero to $130; and premiums from $2 to $8 pm; some payable monthly and others (Internet insurers) payable in annual installments; some excluding certain phones (AT&T exclude iPhone and As U Go Phone) and others (T Mobile) attach claim limits dependent on model categories. Phone insurance for new and used phone (beyond just extended warranties) is available at phone service providers whereas Internet insurers insist on only new phones being insured for extras. Phone insurance ATT, Verizon insurance and other providers will insure only cells bought directly from them even if the unlocked phone is seeking a long term contract. Conversely, Internet insurers often offer locked cell plan phone insurance coverage that the cell service phone provider may not offer.

The cell phone owner is totally confused. As things stand right now it is unlikely the buyer knows what phone insurance he is buying or should be buying comparatively speaking..

Ensquared.com has introduced the first phone insurance comparison Site in the US. By just answering 7 simple questions virtually and absolutely free the Ensquared phone insurance comparison Site clears up all the confusion. You can compare phone insurance on every level offered by AT&T insurance, Verizon phone insurance, Sprint insurance and T Mobile insurance and the foremost Internet competitor phone insurance. The phone insurance technology has taken considerable resources to develop but Ensquared believe it meets a serious need in the locked and unlocked 3G GSM US cellular arena. Cell phone insurance price comparisons provided by Ensquared in their Compare Cheap Phone Insurance For Unlocked Phone Lost Protection will give you all the options available at the right price from different phone service providers.

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