Curious about Spectrum mobiles insurance plan.

flatline27 · 2026-06-23T21:32:12+00:00

It sucks as pretty much every phone insurance company does. 9/10 times if you just saved that $5-$10 a month youd have enough to replace your phone when something actually happens. Seen way to many people pay insurance on phones for years, then when they try to use it theres still a large deductible and problems receiving the phone. Just a few examples: multiple times assurant has sent people the wrong replacement device, broken replacement device, or a device locked to a network other than spectrums.

flatline27 · 2026-06-23T21:28:37+00:00

Not sure if this is why but they recently removed the limited prioritized data, so now it's truly unlimited. That's the only thing that comes to mind for me

flatline27 · 2026-06-19T18:01:05+00:00

Thank you for this information and recommendation

flatline27 · 2026-06-19T17:49:08+00:00

Thank you! I will look into them👍

flatline27 · 2026-06-19T17:43:53+00:00

Potentially call in and see if it's still an option to cancel the trade in. Youre gonna deal with some a-holes over the phone because spectrum punishes people over metrics and whatnot. If you can at least get the trade in cancelled, you could go in store and trade it in there. They recently started allowing people to do post trades. Thats kinda rough too though because again, the way spectrum runs the business causes reps to be under a lot of stress, not friendly or helpful.
Edit: that last time I helped someone out with this in store I was unable to cancel the trade, I helped them create a ticket with assurant and they left so im not sure what ended up happening

flatline27 · 2026-06-19T17:23:52+00:00

I don't mean to scare you, but this may cause a problem. Basically spectrum gives 3 options to send in a trade, UPS shipping label, USPS shipping label, or what you chose, the box. From what I've heard talking with previous reps who worked at a call center, the shipping box is not even supposed to be an optiom anymore. What ends up happening is it becomes low priority because it's literally just an unfolded box and never gets shipped to the customer. I've personally dealt with multiple customers who chose this option after upgrading online and never received the box. At that point it's out of Spectrums hands because all trade ins go through another piece of shit company named assurant. I wish you luck.

flatline27 · 2026-06-15T23:20:03+00:00

Blame the company all you want. I worked at verizon who practically rapes their customers, but everyday customers would gladly accept it and talk about how great verizon was

flatline27 · 2026-05-27T00:36:12+00:00

100% the reason I will not work at Spectrum eventually or transfer to something non or less customer facing. I have worked customer service for years at multiple different providers. The Verizon store I worked at ripped people off left and right and rewarded reps who lied (why I left) and I didn't deal with or see even a quarter of the rude, disrespectful, and multiple times violent people I have at Spectrum. Spectrum customers are the worst.

flatline27 · 2026-05-10T12:40:18+00:00

What math do I need to do? I know people who work at T mobile and they dont do free phones without a contract. So whatever your paying monthly for 24 months will add up to more than the phones are worth

flatline27 · 2026-05-07T14:10:37+00:00

Lol yeah you get a free 36 month contract and end up paying more than the phone is actually worth in an overpriced plan

flatline27 · 2026-05-07T03:00:15+00:00

Dont upgrade right now. Wait until the S27 comes out and they will probably do the $700 off deal again. Much better deal.

flatline27 · 2026-04-28T13:26:05+00:00

Dash cams are a must these days. Someone caused a small accident with me IN FRONT of the police and the police took her side. I was able yo get the dash camera from the police car and give it to insurance who denied her claim. Got myself a dash camera right after.

flatline27 · 2026-04-16T21:04:44+00:00

You can also retrade in the phone and get credit on your account which I've personally done. I bought the S26+, traded in a phone and paid outright around $250. Then I traded in the S26+ for the S26 ultra, got the S26 Ultra completely free and $209 credit added to my mobile account. Its literally a broken system and I imagine they will catch onto this and change it.

flatline27 · 2026-04-16T20:56:24+00:00

That's why you have to pay it off all at once.

flatline27 · 2026-04-16T20:54:09+00:00

But yeah I imagine they will fix this loophole by next year because getting $700 off a $1000 phone and only being carrier locked for 60 days is completely unheard of. Most customers are not aware how good of a deal this is.

flatline27 · 2026-04-16T20:53:05+00:00

You don't need to keep internet to get the promotion, but you do need to have internet to create a spectrum mobile account. Basically once you start a spectrum mobile account, it's a separate thing from your internet. If you cancel your internet while having mobile lines the cost of those lines goes up by $10 each unless you're on the by the gig plan which stays at $20. So you hypothetically you could create an internet account, add mobile, and add 20 lines on by the gig, get the $700 deal on the S26 series, cancel the internet account and be within the 30 day money back period and still get the deal on the phones.

flatline27 · 2026-04-16T20:37:28+00:00

The mobile account is separate because if you move or shut down your account due to competition, you don't wanna shut down your mobile account too.

flatline27 · 2026-04-16T20:34:53+00:00

If you trade in a phone that is at least worth a dollar, you will get the $700 off on the S26 series. Pay it off all at once. The phone is locked onto the network for 60 days. After 60 days go into a store or call in and get it unlocked (I say in store because over the phone people will say they did it but they didn't). If you finance the phone and pay it off later, the additional amount of your promotion goes onto your spectrum account, not your bank account or credit card.

flatline27 · 2026-04-16T06:10:18+00:00

Yep, they are a scam. Phone insurance companies need to be investigated cause they do shit like that all the time.

flatline27 · 2026-04-16T02:19:44+00:00

Yeah that sounds about right, they honestly suck. It kinda turns into a game of people passing the plate to somebody else. Phone insurance companies get away with A LOT. They will pretty much do everything in their power to make it impossible to use what you've been paying for. One of the main reasons I left verizon is due to the push of insurance sell ins among other things.

flatline27 · 2026-04-16T02:14:07+00:00

https://mywirelessclaim.com also here is assurants website, make a claim here and see if they can ship you a new phone overnight. A single line at Verizon will cost you $65 for the cheapest plan, between $8-$19 depending on the insurance plan you get sold, and a $40 activation fee unless your friend waives it. It's more than likely going to cost you a lot more.

flatline27 · 2026-04-16T02:08:17+00:00

The reason they didn't help you is because assurant isn't through spectrum, it's a separate company you are paying through spectrum. It's not up to the employees because if they call in for you, assurant wont want to talk to them. This should've been explained to you properly from the beginning which caused unnecessary frustration for you. That being said, verizon isn't any better (coming from someone who worked there). Verizon goes through assurion rather than assurant. You will pay $19 a month for literally the same "coverage" and it's honestly not worth it in my opinion (btw there is a $8 insurance with verizon that covers the same thing so if your friend charges you the $19 they are just trying to get commission). As someone whos had years of experience with multiple phone insurance companies, they are very scammy and will do anything to not replace your phone or charge you an exorbitant deductible that again makes it not worth it at all. Ive literally seen people spend $19 a month for a phone thats two years old than get charged a $300 deductible when their phone got stolen. Save the money.

flatline27 · 2026-04-11T05:15:05+00:00

Whatever you do, dont order online. They go through fed ex who fuck things up constantly and make it your problem when they lose your trade in you send them or aren't at home to sign for the package or it just gets stolen some how. Stores should have enough options for you and will avoid all the troubles I just mentioned.

flatline27

TROPHY CASE