Applecare or Verizon Insurance: Comparison (2022 Guide)

What's better, Applecare or Verizon insurance? Learn everything about AppleCare and Verizon insurance plans in this definitive guide. And determine which is better for you as a Verizon customer.

applecare or verizon insurance

What is AppleCare?

AppleCare is Apple's extended warranty program. It provides coverage for your iPhone, iPad, iPod, and Mac products beyond the standard one-year warranty. With AppleCare, you can get up to two years of technical support and hardware coverage from Apple. You can also add AppleCare+ to extend your coverage to two years from your purchase date and get accidental damage coverage.

What is Verizon Insurance?

Insurance coverage from Verizon helps protect your mobile device in the event of loss, theft, or damage. As a Verizon customer, you're automatically enrolled in device insurance with deductible options of $49, $99, or $199 for phones and basic tablets, or $299 for Smartphones and premium tablets.

You can also enroll online in Verizon Total Mobile Protection, which includes Tech Coach support services and extended warranty coverage for mechanical/electrical failures after the manufacturer warranty expires.

If your phone is lost, stolen, or damaged, you can file a claim online or by calling customer service to get a replacement as soon as possible. With Verizon Total Mobile Protection, you also have the option to receive a same-day replacement if your device is damaged and you live in a qualifying market.

AppleCare Vs. Verizon Insurance

When it comes to insuring your iOS device, you have two main options: AppleCare and Verizon insurance. Both of these options have their advantages and disadvantages, so it’s important to evaluate your needs before making a decision. The standard AppleCare insurance is only a one-year warranty, but you can purchase AppleCare+, an extended warranty, and insurance for your iOS device.

In comparison, Verizon insurance offers additional coverage but also costs more and is limited solely to the Verizon network. If you’re looking to save money, AppleCare is the better insurance option. However, if you want comprehensive coverage and don’t mind paying a little extra, Verizon insurance may be the better choice for you.

What is the price comparison between AppleCare and Verizon insurance?

The price of AppleCare+ is $200 for one year or $10 per month. Verizon Protect costs either $14 or $17 per month, depending on the tier of your device. AppleCare only lasts one year from the purchase date of your device, but it offers more coverage than Verizon Protect. You can purchase extended coverage for your Apple device by purchasing AppleCare+.

However, you can view the entire list of prices for all devices on Apple's website. The cost of Verizon Protect will depend on which tier your device falls into. In contrast, AppleCare is free of charge, but it only lasts one year from the purchase date of your device. Moreover, you can pay for it in $10 per month increments. Consequently, the price of AppleCare+ is more expensive than Verizon Protect's monthly cost.

What is the difference between AppleCare and Verizon insurance?

AppleCare and Verizon Insurance both have their pros and cons, but there are some key differences between the two. For starters, AppleCare only comes with a one-year warranty, while Verizon Insurance has a two-year warranty.

Additionally, AppleCare covers issues such as dead screens, manufacturer defects, and malfunctioning buttons, while Verizon Insurance covers accidental damage as well. Finally, AppleCare offers free support by phone for 90 days, while Verizon Insurance offers free support by phone for 24 months.

Furthermore, if you want to pay the premium and get more benefits, AppleCare+ includes the following:

  • The extra year or two of warranty coverage
  • Two years of phone support for free
  • Accidental damage coverage (only covers two claims per year)
  • All of the regular benefits of AppleCare
  • Two theft or loss incidents for the iPhone for an additional fee

However, Verizon Mobile Protect has several advantages, including the following:

  • At least three claims allowed within 12 months
  • After-warranty defects
  • Device replacement
  • Theft, damage, and loss of protection
  • Device repair
  • Unlimited cracked screen repair
  • Battery replacement
  • Same-day setup and delivery
  • Call Filter & Digital Secure protection
  • Unlimited device refreshes
  • Identity theft monitoring
  • Verizon Tech Coaches for additional help
  • Wi-Fi protection and security

Is there a deductible on AppleCare and Verizon Insurance?

While both AppleCare and Verizon insurance have deducibles, the amount you will pay will vary depending on the device and the damage done to it. For example, a cracked screen repair on an iPhone through AppleCare will only cost you a $29 deductible.

However, if you have Verizon insurance, you'll be required to pay a $29 deductible for each instance of screen repair. Additionally, Verizon offers unlimited cracked screen repair as long as you're willing to continue paying the $29 deductible per incident.

AppleCare+ Deductibles

  • Theft or Loss: $199 and up depending on the device
  • iPhone Screen Damage: $29
  • iPhone Accidental Damage: $99
  • iPod Touch: $29 for any damage
  • iPad: $49 for any damage
  • Apple Watch: $69 for any damage
  • MacBook: $99 if it’s screen damage or $299 for any other damage
  • HomePod: $39 for all damage

Verizon Deductibles

  • Screen Repair: $29
  • Lost or stolen device: $19 to $199 depending on which device you own
  • Additional repairs: $9 to $229

Does Verizon cover Apple Warranty?

While Verizon offers many cellular plans that come with a phone, they do not cover Apple products under their Verizon Insurance. If you have an iPhone or any type of Apple product through Verizon, you are only covered under the AppleCare warranty. The standard one-year warranty for all Apple products covers your device against manufacturing defects and software issues.

If you'd like to add the Verizon insurance on top of the AppleCare warranty, you'll need to purchase it within 30 days of buying the Apple device through Verizon. The insurance will cover accidental damage, loss, or theft.

It's important to note that if you do not have insurance and something happens to your device, you will have to pay the entire cost to repair or replace it. The insurance is an additional cost but may be worth it for some customers. Ultimately, it's up to the individual to decide whether or not to add insurance coverage.

AppleCare Or Verizon Insurance: Which is the better option?

When it comes to phone insurance, you may find that AppleCare+ is a better fit for you than purchasing Verizon insurance. For example, with AppleCare+, you only pay $10 per month or a $200 fee all at once, which is cheaper than the monthly Verizon charges for insurance. Additionally, Verizon insurance only protects your device if you are on the Verizon network, so if you switch carriers, then the insurance is no longer valid.

With AppleCare+, you’re covered regardless of whether you have Verizon service or not. Finally, AppleCare+ provides support for accidental damage and hardware issues, while Verizon insurance only covers lost or stolen devices. Ultimately, the decision of which insurance to purchase depends on your individual needs and situation. However, if you’re looking for comprehensive coverage at a reasonable price, then AppleCare+ may be the better option for you.


When it comes to phone insurance coverage, you may find that AppleCare+ is a better option than Verizon insurance. For example, AppleCare+ is cheaper than the monthly Verizon charges for insurance, and it also covers accidental damage and hardware issues.

However, ultimately the decision of which insurance to purchase depends on your individual needs and situation. If you're looking for comprehensive coverage at a reasonable price, then AppleCare+ may be the better option for you.

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author: patrick algrim
About the author

Patrick Algrim is a Certified Professional Resume Writer (CPRW), NCDA Certified Career Counselor (CCC), and general career expert. Patrick has completed the NACE Coaching Certification Program (CCP). And has been published as a career expert on Forbes, Glassdoor, American Express, Reader's Digest, LiveCareer, Zety, Yahoo,, SparkHire,,, FairyGodBoss,, St. Edwards University, NC State University,, Thrive Global,, Work It Daily, Workology, Career Guide, MyPerfectResume, College Career Life, The HR Digest, WorkWise, Career Cast, Elite Staffing, Women in HR, All About Careers, Upstart HR, The Street, Monster, The Ladders, Introvert Whisperer, and many more. Find him on LinkedIn.

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