Friday, 18 October 2013

Why Insurance for Your S4 is a Good Idea

Why Insurance for Your S4 is a Good Idea


The S4 is one of the latest smartphones that has been well received by consumers. Since its launch in March 2013, the company making this latest smartphone model has boasted shipments of 10 million units of the S4 within the first month. The S4 is a popular and fast selling device that should be protected. At a cost of between USD 200 to USD 700 (depending on whether it is purchased through a carrier's plan or on its own), insurance is advisable to protect your investment in the S4.

 Insurance, which provides financial remuneration in the event of loss such as theft, damage, or misplacement, provides you with peace of mind when owning expensive technologies such as the S4. If anything happens to the S4, having insurance provides you with a way to replace the device without having to pay for the replacement out of pocket.

Types of Insurance Coverage Available for the S4

The types of insurance protections that are available to you in the form of coverage on your S4 include:

• Loss and Theft
 • Accidental Damage
 • Drops, Spills, and Cracked Screens
 • Mechanical Breakdown

 Coverage provides you with protection from many of the situations that you face when owning an S4. Owning insurance protection for your S4 means that you will always have the ability to receive a new smartphone during the life of your carrier contract in the event that it is lost, stolen, dropped, cracked, or breaks down unexpectedly beyond the carrier's standard or extended warranty.

Reasons for Getting Insurance Coverage for Your S4

The cost of an S4 alone is one consideration for getting insurance. If, for example, your S4 was stolen, you would be looking at several hundreds of dollars out of pocket as your expense to replace it. An insurance policy would ameliorate this expense and put in your hands a replacement device to keep you in communications as soon as possible once the claim has been filed and accepted by the insurer.

Another reason for getting insurance coverage for your S4 is to provide you with money to fix and repair those damages that can be caused on occasion. This includes cracks and breaks to the 5-inch high definition screen, and chips and dents to the S4's casing. These repairs can be expensive so having insurance helps reduce this potential expense.

Obtaining Coverage for Your S4

 Your S4 smartphone is a valuable commodity that you need to protect from loss. The process for obtaining coverage for the S4 is easy to accomplish and only requires a few minutes of your time. The process starts with determining what level of protection you need for your S4 smartphone.

If loss and replacement are of concern to you, a loss and theft policy is the one that you want to purchase. If breakage and repair for damages caused to your S4 is something that worries you, drops, spills, and cracked screen coverage is what you need. You may also choose a more comprehensive plan to cover all possibilities. S4 insurance should be strongly considered and obtained in order to limit your risk and loss exposure.

 This piece was composed by Zachary Foxworthy, a freelance writer based in Miami, Florida. Zachary writes on cell phones, assorted gadgetry, computer science, the tech business and other closely related subjects. S4 owners may want to better acquaint themselves with the S4 insurance brand Protectyourbubble.com.

 


Insurance: A Guide

"Remember kids, I have life insurance" - Adam Savage

This is a guest article from Tatyana Levin

These days one must be financially savvy. Money is not easy to come by and should be managed carefully. With the availability of tools that make it easy to keep track of current events, the stock market, and even your own money, it would be almost a crime to not utilize these tools to make the best and most informed financial decisions. Unfortunately, the more there is, the more there is to keep track of. This applies both to tracking tools and money (the small curse within the comfort of having money to keep track of).

 The savvier ones of us dabble in investments, and the savviest make their living that way. The key is that they know what to invest in. Not magically, of course; investors do a significant amount of research to learn how to optimize their portfolios, but they have the understanding.

A grossly overlooked investment is insurance. This may be because is not typically referred to as an investment with the exception of whole life insurance that has a specific investment component within it. Webster’s defines the word “invest” as a commitment of money for a return and “insurance” as a guarantee. This makes insurance the safest type of investment, because your returns are guaranteed.  But returns are not always financial in the case of insurance. They can be, if there is an unforeseen accident, but the most certain return is the feeling of security.

Now there are many different types of insurance, and what you need depends on your current situation. Obviously you only need auto insurance, found using auto insurance leads if you have a car, and you only need renter’s insurance if you rent and have possessions that you would need insured. Insurance is for those who have something to lose. With an attachment to something, either emotional of physical (or dependence, not like physically being glued to your car), comes the fear that it will be damaged or ruined in some way. For example, if your house caught on fire, you would be devastated. What would add insult to injury is not having a way to recover from this horrible disaster.

 These types of examples are not unique to this article. That is the way that insurance is sold. As they say that clichés are clichés for a reason, insurance is promoted this way for a reason.  The foundation of the concept of insurance is uncertainty, and it is the same uncertainty that is conjured up when investing.

The main difference between insurance and investment is that not having insurance creates a feeling of uncertainty while investments by nature are uncertain. Therefore, investing in insurance creates security and is the only secure investment that exists (and is legal). Getting insurance should be one of the easier financial tasks if you apply all the resources available with technological advances like smart phones.

About the Author: This article was written by Tatyana Levin, a copywriter for InsuranceFiles.com

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