Phone insurance cost per month and deductibles: T-Mobile Protection 360 $7 to $26, Verizon Mobile Protect $16 or $19, AT&T Protect Advantage $16 to $25
Carrier device protection for one phone costs $7 to $26 a month at T-Mobile (Protection 360, by device tier), $16 or $19 a month at Verizon (Verizon Mobile Protect, by device) and $16, $19 or $25 a month at AT&T (Protect Advantage, by device tier), before tax. Replacing a lost or stolen top-tier phone then costs a deductible of up to $449 at T-Mobile, $279 at Verizon and $400 at AT&T. AT&T's four-device Protect Advantage Multi-Device rises from $50 to $55 a month on November 17, 2026 (New York excluded). Figures were read on carrier pages and the plan documents they link on October 17, 2026.
- T-Mobile Protection 360
- $7, $9, $13, $16, $19 or $26 a month by device tier, plus tax
- Verizon Mobile Protect
- $19 (Tier 1 smartphones and watches) or $16 (Tier 2) a month; 2 lines $38, 3 lines $57, 4 to 20 lines $68
- AT&T Protect Advantage
- $16 (Tiers 1-2), $19 (Tiers 3-4), $25 (Tiers 5-6) a month; Multi-Device $50, then $55 from Nov. 17, 2026
- Cracked screen repair
- $0 for eligible smartphones at all three carriers
- Loss or theft deductible
- T-Mobile $10 to $449; Verizon $19 to $279; AT&T $25 to $400
- Other accidental damage
- T-Mobile $10 to $179; Verizon $99 (or less if the loss/theft deductible is lower); AT&T replacement $25 to $400, repair $0
Figures above were read from T-Mobile's Protection 360 pages and the Assurant brochure and terms linked from them, Verizon's Mobile Protect FAQs and Important Things to Know about Device Protection page, and AT&T's device protection pages, its September 2026 notice and the Asurion brochure and terms AT&T links, on 2026-10-17. See sources.
Monthly price for one device at each carrier
| Device tier | T-Mobile Protection 360 | Verizon Mobile Protect | AT&T Protect Advantage |
|---|---|---|---|
| Tier 1 | $7 | $19 (smartphones and watches) | $16 |
| Tier 2 | $9 | $16 (smartphones, watches, tablets and basic phones) | $16 |
| Tier 3 | $13 | No Tier 3 outside New York | $19 |
| Tier 4 | $16 | - | $19 |
| Tier 5 | $19 (also BYOD) | - | $25 |
| Tier 6 | $26 | - | $25 |
T-Mobile Protection 360: price and deductible by tier
T-Mobile's Protection 360 page says the monthly cost "can range from $7 to $26 (+ applicable tax) per device, depending on your device type." On deductibles it says: "The service fee/deductible is based on your device model and type of claim, which will be collected at the time your claim is approved." The insurance and service contracts are provided by companies that operate under the Assurant name, and the full table is in the Assurant brochure linked from T-Mobile's claims site.
| Tier | Monthly | Loss or theft | All other accidental damage |
|---|---|---|---|
| 1 | $7 | $10 | $10 |
| 2 | $9 | $49 | $49 |
| 3 | $13 | $99 | $89 (Apple Watch Ultra $79, other Apple Watch $69, eligible iPad $49) |
| 4 | $16 | $149 | $89 (same exceptions as Tier 3) |
| 5 and BYOD | $19 | $224 | $89 (same exceptions as Tier 3) |
| 6 | $26 | $449 | $179 (eligible iPad $99) |
T-Mobile's support page adds a "$5 processing fee for mechanical and electrical failure exchanges through T-Mobile." Protection 360 has unlimited accidental damage and malfunction claims and up to five loss or theft replacements in any rolling 12-month period. On bring-your-own-device phones, Assurant's deductible page says: "Non-T-Mobile-branded devices are automatically assigned to the BYOD Tier 5." T-Mobile also sells a lower plan, Standard Device Protection, at $5 or $10 a month by tier, with one claim for loss, theft or accidental damage in any rolling 12-month period.
These amounts changed in 2026. Assurant's notice to T-Mobile customers (MS98691-1025) dates the change to March 1, 2026, counted from the first billing cycle on or after that date: Tier 5 and BYOD went from $18 to $19 a month and Tier 6 from $25 to $26; back glass repair went from $29 to $0; the Tier 5 loss or theft deductible went from $249 to $224 and Tier 6 from $499 to $449; and other accidental damage went from $99 to $89 (Tiers 3 to 5) and from $199 to $179 (Tier 6). The earlier figures match the Protection 360 terms marked effective January 20, 2025, still linked on mytmoclaim.com. The same notice places iPhone 17, iPhone 17 Pro and Pro Max, iPhone Air, Pixel 10 Pro and Pixel 10 Pro XL in Tier 5, and Galaxy Z Fold 5, 6 and 7 in Tier 6.
In New York, Protection 360 is made up of an insurance plan and a service contract plan that can be bought separately, with a separate New York brochure.
Verizon Mobile Protect: $16 or $19 a month, $99 damage deductible
Verizon's Mobile Protect FAQs list single-device coverage at "$16 or $19/month depending on device", and its Important Things to Know page sets Tier 1 (smartphones and watches) at $19 and Tier 2 (smartphones, watches, tablets and basic phones) at $16. Cracked screen and back glass repair is $0 on select smartphones. For other damage the FAQs say: "$99 damage deductible applies unless loss/theft deductible is less than $99 in which case deductible will be the same as loss/theft."
| Verizon option | Monthly charge | What a claim costs |
|---|---|---|
| Verizon Mobile Protect, one device | $19 (Tier 1) or $16 (Tier 2) | Loss or theft $19, $99, $109, $189, $229 or $279 by device; damage $99; cracked glass $0 on select smartphones |
| Verizon Mobile Protect Multi-Device | 2 lines $38; 3 lines $57; 4 to 20 lines $68 per account | Same deductibles; unlimited claims per registered line |
| Additional Coverage (Multi-Device, 4 to 20 lines) | $12.10 per added registration ($9.25 in Florida, $12.40 in New York) | Up to 3 added registrations |
| Wireless Phone Protection (insurance only) | $7.95 (Tier 1) or $4.95 (Tier 2) | Same loss, theft and damage deductibles |
| Verizon Extended Warranty | $4.15 | $0 for repairs; $49 replacement fee only when a repair is available but not chosen |
| Total Equipment Coverage | $12.10 or $9.10 by device | Insurance plus Extended Warranty |
| Verizon All-In-One Protect | One device $35 (Tier 1) or $32 (Tier 2); Multi-Device $54 (2 lines), $73 (3 lines), $84 (4 to 20 lines) | Mobile Protect plus Home Device Protect Essential |
Verizon Mobile Protect combines Wireless Phone Protection (insurance), Verizon Extended Warranty and Mobile Secure. Verizon's FAQs say Extended Warranty is not available in Florida, where the insurance covers post-warranty malfunctions instead, and: "Prepaid accounts aren't eligible for Verizon Mobile Protect." Enrollment is open within 30 days of a new line, upgrade or BYOD activation, or during the Open Enrollment period Verizon lists as September 3 to November 1, 2026. On cancellation: "You'll receive a prorated refund of your monthly charge." On the consumer pages we read, "Verizon Protect" appears as the name of an app included with Mobile Protect, not as a separately priced consumer plan.
In New York, Verizon lists three tiers ($19, $19 and $16) and different loss or theft deductibles ($19, $49, $99, $149 or $249).
AT&T Protect Advantage: $16 to $25 a month, $25 to $400 deductible
AT&T's current plans, for enrollments after February 24, 2022, are Protect Advantage for one device and Protect Advantage Multi-Device for up to four. The Protect Advantage brochure on Asurion's AT&T legal page lists $16 a month for Device Tiers 1 and 2, $19 for Tiers 3 and 4 and $25 for Tiers 5 and 6, per mobile number, and $50 per account for Multi-Device. AT&T's device protection page shows the same $16, $19 and $25 in its questions section.
| Device tier | Monthly (one device) | Replacement deductible | Examples from AT&T's partial device list (Oct. 20, 2025) |
|---|---|---|---|
| 1 | $16 | $25 | AT&T Cingular Flip IV, Samsung Galaxy A15 5G |
| 2 | $16 | $100 | iPhone SE, Apple Watch Series 10 (aluminum); BYOD models never sold by AT&T |
| 3 | $19 | $225 | Google Pixel 9 128GB, Samsung Galaxy S23 5G 128GB |
| 4 | $19 | $275 | iPhone 14, 15 and 16 models; Samsung Galaxy S24 and S25 models |
| 5 | $25 | $300 | Samsung Galaxy Z Flip models, Motorola RAZR |
| 6 | $25 | $400 | Samsung Galaxy Z Fold models, Google Pixel Fold |
AT&T's device protection page says: "Program changes to AT&T Protect Advantage Multi-Device are happening on 11/17/26." The notice it links sets the new monthly charge at $55, up from $50. It keeps up to four connected devices and changes the non-connected devices covered from Wi-Fi-only tablets to up to two Wi-Fi-only smartwatches, headphones or earbuds; the service fee for those is listed as $49. The notice says it does not apply to New York customers. AT&T also lists insurance-only Protect Insurance at $2.25 to $4.80 in select markets.
AT&T legacy plans: Protect Advantage for 1 and for 4
Customers enrolled before February 24, 2022 keep the older plans. The Protect Advantage for 1 terms effective October 20, 2025 list $16.00 a month per number, three claims in any 12 months, a maximum device value of $2,500, replacement deductibles of $25, $50, $125, $200, $250 or $299 (Tiers A to F) and a $29 screen repair deductible for Tiers C to F. For the legacy four-device plan, AT&T's notice 000122210 says the price of Protect Advantage for 4 and Protect Advantage for 4 for Business rose on September 1, 2026: "The cost will increase from $45 to $50." It excludes plans in New York. The updated terms page reads: "Applies to enrollments prior to 2/24/22, excluding New York customers", and lists 8 shared claims within any 12 months and a $3,500 maximum per claim. AT&T's other 2026 changes are in our AT&T price increase record.
What replacing a lost or stolen phone costs
| Phone | T-Mobile Protection 360 | Verizon Mobile Protect | AT&T Protect Advantage |
|---|---|---|---|
| iPhone 16 Pro Max | $224 (Tier 5) | Not confirmed (Verizon publishes amounts, not the device list, on the pages we could read) | $275 (Tier 4) |
| Galaxy Z Fold 7 | $449 (Tier 6) | Not confirmed | $400 (Tier 6) |
One-time carrier charges when returning a phone instead of insuring it are in our restocking fee comparison, and activation charges are in our activation fee comparison.
What we could not confirm
- Which Verizon devices fall in which loss or theft deductible. Verizon's device protection brochures (PDF) are blocked to automated reading by verizon.com's robots.txt, and the Asurion lookup page builds the amount with a script, so we could read only the list of amounts on Verizon's Important Things to Know page.
- T-Mobile's per-model deductible lookup on mytmoclaim.com, which is script-driven. Device examples above come from Assurant's change notice (MS98691-1025), which we found on an Assurant site rather than linked from T-Mobile's pages.
- AT&T tiers for iPhone 17 models under the current Protect Advantage. The brochure's partial list is dated October 20, 2025 and does not include them; the legacy Protect Advantage for 4 list (updated September 2026) does place iPhone 17 256GB in its Tier D ($200).
- Sales tax on the monthly charge, which varies by state and is not stated as a figure on the carrier pages.
- A T-Mobile multi-device price. We did not find one on the T-Mobile pages we read.
Questions
How much does Verizon Mobile Protect cost per month?
What does Verizon Mobile Protect cost to replace a phone?
How much is T-Mobile Protection 360 per month?
What is the AT&T Protect Advantage price?
What happened to AT&T Protect Advantage for 4?
Sources
- T-Mobile Protection 360 price range and deductible basis - T-Mobile: Protection 360, read 2026-10-17
- T-Mobile claims, processing fee and Standard Device Protection - T-Mobile Support: Protection 360 and device protection, read 2026-10-17
- T-Mobile brochure and terms links - Assurant for T-Mobile: Program Info, read 2026-10-17
- T-Mobile tier prices and deductibles - Assurant: T-Mobile Device Protection Plans brochure, all states excluding New York (PDF), read 2026-10-17
- T-Mobile current service fee schedule - Assurant: Protection 360 terms and conditions (PDF), read 2026-10-17
- T-Mobile earlier amounts - Assurant: Protection 360 terms effective January 20, 2025 (PDF), read 2026-10-17
- T-Mobile BYOD tier - Assurant for T-Mobile: My Deductible, read 2026-10-17
- T-Mobile March 1, 2026 change and device tiers - Assurant notice MS98691-1025 (PDF), read 2026-10-17
- Verizon Mobile Protect price, deductibles, eligibility - Verizon Mobile Protect FAQs, read 2026-10-17
- Verizon tiers and all options - Verizon: Important Things to Know about Device Protection, read 2026-10-17
- AT&T current plans and Multi-Device change - AT&T: Phone Insurance & Device Protection, read 2026-10-17
- AT&T November 17, 2026 changes - AT&T Protect Advantage program changes (PDF), read 2026-10-17
- AT&T plan documents index - Asurion: AT&T legal terms, read 2026-10-17
- AT&T tier prices and deductibles - Asurion: AT&T Protect Advantage brochure (PDF), read 2026-10-17
- AT&T legacy Protect Advantage for 1 - Asurion: AT&T Protect Advantage for 1 terms (PDF), read 2026-10-17
- AT&T legacy Protect Advantage for 4 price change - AT&T Support: Learn about changes to AT&T Protect Advantage, read 2026-10-17
- AT&T legacy Protect Advantage for 4 terms - AT&T Legal Policy Center: AT&T Protect Advantage for 4, read 2026-10-17
Source links are not affiliate links. This page is general information, not insurance or legal advice. Coverage, prices and deductibles depend on the device, the plan documents and the state.
