Geek Squad Phone Insurance vs. Verizon – Which is the Better Option?

Do you often drop or lose phones? If yes, you should consider paying for phone insurance. You can get this from either Geek Squad or Verizon.

In the digital age, smartphones have become like personal computers for many. People depend on these devices for almost everything. This small device often tends to break easily. Repairing a smartphone out of warranty can cost you a lot of cash.

Getting phone insurance can give you peace of mind and prevent you from paying very high repair costs. While some people choose to insure their phones through Geek Squad, others prefer working with Verizon. Let us find out how they differ.

What are the differences between geek squad phone insurance and Verizon?

Geek Squad
The basic plan costs $10.99 per month

Deductibles for a cracked screen cost $199.99
The basic plan cost $6.85

Deductibles for a cracked screen cost $29
3 claims in 2 years
3 claims in 12 months
Privacy protection and security services

Geek squad phone insurance vs. Verizon- How do they compare?

The plans and cost

Geek Squad offers two phone insurance plans known as the basic plan and the complete protection plan. The basic plan costs $10.99 per month, while the complete protection plan costs $12.99 per month. If the screen of your mobile phone cracks, you have to pay a deductible of $199 for Geek Squad technicians to fix it.

On the other hand, Verizon offers three phone insurance plans: wireless phone protection plan, total mobile protection, and Verizon protect. The basic plan costs $6.85 per month, while Total mobile protection costs $15 per month. The cost of deductibles for a cracked screen is $29. Verizon phone insurance is more affordable compared to Geek Squad phone insurance.


If you choose to pay for Geek Squad phone insurance, you can make a maximum of 3 claims within 24 months. On the other hand, Verizon allows you to make a maximum of 3 claims within 12 months. This cell phone insurer does not limit you to the number of claims you can make for a cracked screen. Verizon is, therefore, more lenient than Geek Squad when it comes to claims.


These two cell phone insurance providers also differ in terms of what they offer. When you pay for the most advanced Verizon protection plan, you can enjoy privacy protection services such as unknown number ID, identity theft monitoring, and VPN.  Geek Squad does not offer such extras even on its most expensive phone insurance plan. Verizon phone insurance has more to offer compared to Geek Squad.

Geek squad phone insurance vs. Verizon- A comparison overview

Geek squad phone insurance overview

If you buy a smartphone from a Best Buy store, you can consider paying for the Geek Squad phone insurance. It can give your smartphone protection and cover it for longer than the manufacturer’s warranty. You can pay for the Geek Squad phone insurance at $10.99 per month. This fee is for the basic protection plan.

If you choose the basic protection plan from this service provider and need a cracked screen repair, you have to pay a deductible of $199.99. Apart from the basic protection plan, you can also choose the complete protection plan, which costs $12.99 per month.

Once you pay for Geek Squad phone insurance, you will get coverage against mechanical issues or accidental damage. If your smartphone’s battery fails, you can get it replaced by Geek Squad. The Geek squad phone insurance even extends to this device’s accessories like earbuds.  It also covers other issues, such as shadow images and pixels.

You can make up to three claims within two years of the phone insurance plan. If you pay $10.99 every month, you can get protection for loss or theft. Geek Squad is also famous for offering excellent customer service. If you have a minor issue with the phone, you can get quick assistance via the toll-free number available on the official website. This service provider can repair your damaged phone or offer replacements for the device’s accessories.


  • It covers repairs not covered under the manufacturer’s warranty
  • Excellent customer service
  • It even covers the phone’s accessories
  • Offers comprehensive coverage


  • It does not provide any security features

Verizon phone insurance overview

This is one of the popular cell phone carriers in the US. It administers its cell phone insurance plans through Asurion. Getting Verizon cell phone insurance can help you protect your device from things such as defects.

Verizon offers different phone insurance plans, including wireless phone protection, total mobile protection, and Verizon protect. If, for instance, you want to pay for the wireless phone protection plan, you have to pay $6.85 per month. With this phone insurance, you can make unlimited claims for a cracked screen. You have to pay a deductible of $29 for this.

Verizon allows you to make up to 3 claims per year in case of other issues.  The cost of deductibles differs based on the specific smartphone model you own. If you want to pay for total mobile protection, you have to pay $15 per month.

On the other hand, the Verizon protect plan costs $17. Though this is the most expensive Verizon phone insurance plan, it comes with some extras that you may not find elsewhere. They include privacy protection services such as identity theft monitoring and VPN.


  • Offers coverage for theft and loss
  • This offers privacy protection and security services.
  • Has at least three plans


  • You have to buy a plan through Asurion


Over the years, numerous phone insurance providers have come up. Such companies allow you to protect your phone against incidences. Choosing the right company to work with is not easy. We, therefore, compared Geek Squad phone insurance against Verizon to help you identify a better option.

Verdict: So, which is better? Geek squad or Verizon

Though Geek Squad cell phone insurance offers comprehensive coverage, we feel that Verizon is better. This is because it offers cheaper plans and extra services that you may not get from Geek Squad. We choose Verizon phone insurance as the clear winner.


Is phone insurance worth it?

Yes. If you have invested in a costly smartphone that may be expensive to repair, paying for phone insurance may be worth it.

Can Geek Squad help fix a cracked screen?

Yes. If the smartphone has a cracked screen, you can take it to Geek Squad agents and get it fixed. Ensure you pay the deductible to get this service.

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