Originally Posted by KimMazz
I have asurion. My son dropped his phone in a parking lot and it was destroyed. I called and told them I needed a new phone and I didn't get charge $100.00. I have gotten about 4 replacements from them - don't ask, a very irresponsible 19 yr old in college. But, I never got charged. I do know they have a policy that only allows for 2 claims on one phone in a year.
That sounds odd to me, but YMMV.
2 claims per year is reasonable. Try making a bunch of claims with auto insurance in a year they will drop you in a heart beat.