Question Credit card CP insurance vs Carrier based

Nov 11, 2021
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Hi

I have 2 phones here in NY with Sprint T Mobile
Samsung Note 20 Ultra
and Galaxy s21 ultra

I pay $19 each a month EACH for protection 360

I just got an offer from Chase Freedom Flex for Free Cellphone insurance coverage if I take their card

Is it worth it or safer to stay with my carrier through Assurant?

Thanks so much for any guidance

Jeff
 

USAFRet

Illustrious
Moderator
You'd have to read deeply into the conditions of either plan to see which is 'best'.
Including the conditions regarding the new Chase Freedom card.

But...$456/year? How often do you plan on using this?
Have you ever needed to use such a plan in the past?
 
Nov 11, 2021
2
0
10
0
You'd have to read deeply into the conditions of either plan to see which is 'best'.
Including the conditions regarding the new Chase Freedom card.

But...$456/year? How often do you plan on using this?
Have you ever needed to use such a plan in the past?

Great point!

Twice in last 10 years?
 

USAFRet

Illustrious
Moderator
Great point!

Twice in last 10 years?
Your phone budget and probable use re far beyond mine.

At $450/year, I could replace my and my wifes phone every 6 months, continually. And have money left over.
Obviously, we don't do that...;)
Our current Galaxy J7 Crowns are coming up on 3 years old, with no need of replacement in sight.


But, you NEED to evaluate all the details of each situation.
See which is better for you.
 
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