 TITLE: Do You Need Cellphone Insurance? CONTENT: How to Decide Whether You Need Cellphone Insurance\n--------------------------------------------------\nDeciding whether you need cellphone insurance can be difficult, especially when being without a working phone can really complicate life. But the most common types of damage won't necessarily leave you without a phone.\nA 2018 survey from SquareTrade, an Allstate company that offers protection plans, found that 66% of smartphone owners damaged their phones during the previous year. However, cracked and scratched screens were the most common types of damage, and over a third of smartphone owners report they didn't get their screens fixed.\nOne of the most important questions you may want to ask yourself is how much replacing your phone will cost. If you're the type of person who always has the latest-edition smartphone, an insurance plan that includes loss and theft coverage may be worthwhile. But if you tend to rock a phone from a few years ago or opt for budget models, it might not be worth paying for insurance. Plus, older and less-expensive phones can also be cheaper to fix.\nAnother important consideration is who will be using the covered phone—or phones. Insurance might make sense if you're accident-prone or tend to be forgetful, or if you're buying insurance to cover a teen's smartphone. A cellphone insurance plan might also get a lot of use if there are kids in the house who see a cellphone as a plaything. END