Best iPhone XS Insurance Options: 6 AppleCare+ Alternatives

The iPhone Xs is expensive and if you cut it down into monthly payments you should seriously consider buying an iPhone Xs warranty or insurance plan to protect the phone. These are the best iPhone Xs and iPhone Xs Max insurance programs and warranty options. Compare these AppleCare+ alternatives before you buy.

Using one of these with an iPhone Xs case and a screen protector will help you keep your iPhone safe and make replacement affordable if it is lost, stolen or completely damaged.

Apple now offers AppleCare+ with loss and theft coverage, for the first time. This is a great option for many users, but you can get similar coverage from carriers so you should be sure to compare prices. We’ll also look at iPhone Xs warranties from third-parties that can offer repairs.

While the credit card you buy your iPhone with may cover accidents, this doesn’t work if you buy on a payment plan.

Keep in mind most of these plans require a monthly payment for coverage and then a deductible that you pay if you need a repair or replacement. There are often tiered repair options ranging from a cheap screen repair cost to a higher full device replacement option.

The iPhone Xs screen repair is $279 out of warranty and the iPhone Xs Max is $329. If you have AppleCare+ it’s only $29 and $39 respectively. Other out of warranty repairs are $549 and $599, while it’s a standard $99 if you have AppleCare+.

There is no out of warranty theft and loss replacement, but if you pay for that added coverage from Apple, the price is $269.

That’s a look at the AppleCare+ option, but there are many different iPhone Xs insurance and warranty options you can buy.

AppleCare+ vs Carrier iPhone Xs Insurance

AppleCare+ only extends the warranty and covers accidental damage for $199, but if you pay $299 you can now add loss and theft protection. This is new for 2018, and the more expensive plan is now more like what you get through carriers.

You can pay for AppleCare+ or AppleCare+ with Loss and Theft up front or monthly. Carrier plans are only available with a monthly payment.

When it comes to full coverage, you may get a better price at a carrier, but you’ll also need to deal with a third-party to process the claim. With AppleCare+ you can go into an Apple Store for help and in most cases walk out with a replacement the same day, but most carrier plans ship you a replacement overnight or within two days.

Best iPhone Xs Insurance Options: AppleCare+ Alternatives

These are the best iPhone Xs warranty and iPhone Xs insurance options. You will often pay the same upfront price for the iPhone Xs Max, but the deductibles may be slightly higher if you need to pay for a replacement or to fix accidental damage. The options and features have changed dramatically over the past several years, so don’t go straight to the option you used to use.

iPhone Xs Insurance & Warranty	Monthly Cost	2 Year Price	Deductible/Replacement	# of Claims	Accidental?	Loss/Theft
AppleCare+	$9.99	$199	$99 total/$29 screen	2	Yes	No
AppleCare+ with Loss & Theft	$15	$299	$99 total/$29 screen/$269 Loss/Theft	2	Yes	Yes
Verizon	$13	$312	$199 total/$29 screen	2 per 12 months	Yes	Yes
AT&T	$8.99	$216	Up to $299 total/$89 screen	2 per 12 months	Yes	Yes
T-Mobile	$14 -$15	$336-360	$99 Accidental/$275 loss and theft	2 per 12 months	Yes	Yes
Sprint	$19	$456	$140 total/$29 Screen/$275 loss theft	2 per 12 months	Yes	Yes
Upsie	NA	$109-$119	$75-$99	Not limited, but capped at total price of phone.	Yes	No
SquareTrade	NA	$149.00	$99 total	Not limited, but capped at total price of phone.	Yes	No
Out of Warranty	$0	$0	$549-$599 total/$279-$329 screen	No limit	Yes	No

The table above shows you how these plans stack up, and could help you pick the AppleCare+ alternative that is best for your needs.

AppleCare+ vs iPhone Xs Insurance vs iPhone Xs Warranties

With the new AppleCare+ with Loss and Theft, Apple is selling the same type of coverage you get at carriers with iPhone Xs insurance plans. AppleCare+ as a standalone warranty is more comparable to Upsie or SquareTrade.

Ultimately you need to pick the option that serves your needs the best. If you need loss or theft coverage decide if you want to use AppleCare+ with Loss and Theft or if it’s cheaper to use your carrier. If you pay monthly you will end up paying more for AppleCare+ than if you buy it outright.

Verizon and AT&T iPhone Xs insurance plans are a better value for most buyers who need accidental, loss, theft and an extended warranty.

Upsie is the cheapest iPhone Xs warranty option we could find with good reviews. You can take your iPhone to a Genius Bar, a local certified repair shop or ship it in for repair. It’s not only affordable it gives you access to same day repairs at Apple Stores.

SquareTrade is an appealing option if you like flexible repairs. You can get at home repair for a $25 deductible, choose a local repair shop, go to the Genius Bar or mail in your device.

AppleCare+ and AppleCare+ with loss and theft protection are the best if you prefer to go to an Apple Store for help and they are cheaper than using T-Mobile and Sprint iPhone Xs insurance options.

Speck iPhone Xs Cases

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Speck is hot out of the gates with iPhone Xs cases across the Presidio Pro, Presidio Ultra and Presidio Stay Clear line.  The Presidio Pro is a case that is rated for 10 ft drops and it includes an antimicrobial treatment that will help keep bacteria from growing on your phone. The Presidio Ultra is a protective case with a removable bumper that protects from dust and dirt.  If you want to show off the color of your iPhone Xs, opt for the Presidio Stay Clear, which is a clear iPhone Xs case that will show off the iPhone's beauty while still protecting from drops up to 8 ft. It also will not yellow due to UV, oil, makeup and other substances like most cases.  Here's a full rundown of the new iPhone Xs cases from Speck.  Presidio Pro ($39.95 - $44.95) -- Protective, slim case with anti-microbial protection tested to withstands drops of up to 10 feet Presidio Stay Clear ($39.95 - $44.95) -- Features a new, innovative coating that resists UV-yellowing and discoloration caused by lotions and other oils Presidio Ultra ($49.95 - $54.95) -- Rugged, slim case with 15-foot drop protection and 360-degree port coverage Presidio V-Grip ($39.95 - $44.95) -- Protective case with a clear back to show off the device, surrounded by a grippy bumper for a secure hold Presidio Grip ($39.95 - $44.95) -- Speck’s iconic angled grip geometry offers a tactile hold perfect for any device Presidio Sport ($44.95 - $49.95) -- Anti-microbial finish and 360-degree port protection perfect for gym-goers and fitness enthusiasts Presidio Inked ($44.95 - $49.95) -- Vivid, durable designs offer expressive style and tough protection Presidio Clear + Print ($44.95 - $49.95) -- Embedded designs won’t fade or scratch Presidio Clear + Glitter ($44.95 - $49.95) -- Glitter crystals embedded in the case add sparkle that won’t flake off Presidio Grip + Glitter ($44.95 - $49.95) -- No-slip grip with glitter crystals embedded into the case’s polycarbonate shell Presidio Show ($39.95 - $44.95) -- 10-foot drop protective case with a clear back and a bumper that seamlessly matches the iPhone Presidio Wallet ($44.95 - $49.95) -- Securely holds three cards or cash, now available in a wide variety of colors Presidio Folio ($44.95 - $49.95) -- Functional, stylish folio case with a secure card slot and hands-free viewing stand Presidio Folio Leather ($49.95 - $54.95) -- Bonded leather exterior for an elegant look You can also find a few CandyShell options as well as Gemshell options that start at $24.95. You can find these at Speck and at other retailers.

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