Does T-Mobile Insurance Cover Cracked Screen? (All You Need to Know)

Are you thinking about purchasing T-Mobile insurance, or have the insurance already and accidentally cracked your phone screen?

Well, perhaps you’re wondering if T-Mobile insurance covers cracked screens and if you have to pay a deductible. If so, keep reading below, because I’ll answer those questions and much more!

Does T-Mobile Insurance Cover a Cracked Screen?

All of the T-Mobile insurance plans including Device Protection and Protection 360 cover cracked screens, provided that it was accidental damage and not cracked intentionally by you or someone else. Additionally, you won’t have to pay outrageous fees for cracked screen repair and will only have to pay the deductible in 2024.

Are you looking for specific details about how much it will cost you for cracked screen repair with T-Mobile? Well, I have all you need to know about this topic, so read further to learn more!

How Much Does It Cost for T-Mobile to Fix a Cracked Screen?

You will only pay $29 for a cracked screen repair, as long as you’ve used a repair center that is authorized by Assurant.

However, only front screen damage is fixable, and if the damage is to the back of the phone, it’s not covered under any of the T-Mobile insurance plans.

How Many Cracked Screen Repairs Does T-Mobile Insurance Cover?

T-Mobile has a few different insurance options available.

Therefore, you can either file 2 or 3 claims per year depending on the insurance you have, although Protection 360 allows for 5 claims.

Therefore, any more than 2 or 3 cracked screen repairs in 12 months would not be covered by the insurance, unless you have Protection 360.

Therefore, this means that you’d have to pay for additional cracked screen repairs out of pocket, which can be expensive depending on the device you own.

What Do You Need to File a Claim With T-Mobile Insurance for a Cracked Screen?

There are a few different things you will need to have ready if you want to file a claim with T-Mobile insurance for your cracked screen, including:

  • The details about your cracked screen damage
  • The make and model of your phone
  • Serial number of the device you’re making a claim for
  • When the cracked screen occurred
  • Payment method to pay the deductible
  • T-Mobile PIN
  • Contact information
  • Shipping information such as your address

How Does T-Mobile Insurance Handle Cracked Screen Repairs?

Once you’ve made your claim online and filled out the details about the device, you’ll be given a list of replacement or repair options that you can choose from for the $29 screen-only repair. 

For example, you may have the option to take the phone to a local repair center, or you may be given an option to get a replacement device. Overall, how the situation is handled could vary.

What Does T-Mobile Insurance Cover?

What Does T-Mobile Insurance Cover?

The T-Mobile insurance plans cover nearly the same types of damage, regardless of which insurance plan you have, including:

  • Accidental Damage (cracked screens, water damage, and more)
  • Theft
  • Loss
  • Device malfunctions
  • Phone charger damage
  • Battery damage
  • SIM card damage

What Doesn’t T-Mobile Insurance Cover?

There are several types of damage that none of the T-Mobile insurance plans will cover, such as:

  • Damage that occurred because of abuse
  • Damage that came from misuse
  • Intentional damage
  • Cosmetic damage
  • Acts of God
  • Fire
  • Unauthorized repairs

How Much Is the T-Mobile Insurance Deductible?

The deductible for the T-Mobile insurance plan claims can range from $10 to $249, depending on the type of insurance claim being filed.

Additionally, the cost of your deductible can vary, depending on the make and model of the device you’re making a claim for, and the insurance tier and plan you have.

How Much Does T-Mobile Insurance Cost?

The cost of T-Mobile insurance can range from $7 per month for each device to $15 per month for each device, depending on the plan and tier of the insurance.

For example, Tier 1 means your phone value is up to $150, and that will cost $7 per month, but Tier 3 is $12 per month if the phone’s value is between $350 to $600.

Therefore, depending on the value of your device, the insurance may not be worth getting, since you’d be paying $84 per year for a device with a value of only $150.

To learn more, you can also read our posts on whether or not T-Mobile unlocks phones, does T-Mobile work in Hawaii, and does T-Mobile work in Alaska.


T-Mobile insurance does cover cracked screens, and you can get a cracked screen repair for $29, regardless of which insurance plan you have.

However, T-Mobile insurance only covers front cracked screen damage and doesn’t cover back screen damage, and will not cover intentional damage only accidental.

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Florence Howard

Florence Howard has been freelance writing for over a decade, and has a vocational background in retail, tech, and marketing. Outside of work, she enjoys listening to rock and metal, and playing with her dog and cat.

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