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Cell phone protection to keep your device safe

Get a budget-friendly plan through the USAA Insurance Agency.

What's a cell phone protection plan?

A cell phone protection plan can help repair or replace your phone after loss, theft, accidental damage or mechanical failure.

We work with ProtectCELL and bolt Protect to offer plans that could save you hundreds of dollars if something happens to your phone.

Explore protection plans.

Choose one plan or get both for even more protection.

New phone replacement

A plan with ProtectCELL can help you replace your new phone if it gets damaged, lost or stolen.

  • For phones 1 year old and newer; 2-year coverage limit
  • Available with AT&T, T-Mobile and Verizon
  • $99 a year to cover your smartphone‍ ‍ See note 1, which includes a 22% discount for USAA members‍ ‍ See note 2
  • Protection for almost anything that can happen to your device
  • One-time service charge of $199 to replace your phone
  • Replacement phone shipped to you, usually within 48 hours‍ ‍ See note 3
  • Anti-theft and location monitoring and free cloud backup for up to 10 devices
  • Full 1-year warranty on replacement phone

 

Visit ProtectCELL for
more information

Damaged phone repair

A plan with bolt Protect can help repair or replace your phone if it gets damaged.

  • For phones of any age
  • Available with any carrier
  • $99 a year covers all active phones in your household, which includes a 17% discount for USAA members
  • No limit to the number of phones
  • Protection for screen cracks, liquid damage, mechanical failure and more
  • One-time service charge from $49 to $199, depending on your phone’s retail price and whether it needs to be repaired or replaced
  • Walk-in repairs at over 9,000 worldwide locations
  • Online digital claims process available 24/7

 

Visit bolt Protect for
more information (Opens new window)

Is cell phone protection worth it?

Imagine something happens to your brand-new iPhone. Without a protection plan, you might have to pay $1,000 to repair or replace it.

 

But with a plan, you’d just pay a deductible on top of your plan’s fee. This could save you hundreds of dollars.

Why should I get a plan through the USAA Insurance Agency?

We have longstanding alliances with other plan providers, and we monitor these relationships to make sure they meet our standards.

 

You can get help from specially trained representatives who’ll serve you at the level you’d expect.

How it works

Once you've protected your phone, here’s how you’ll repair or replace it if something happens.

Steps to complete How it works

  1. File a request.

    Start a claim or request online with your cell phone protection provider.

  2. Pay a service charge.

    Make a one-time payment between $49 and $199.

  3. Repair or replace your phone.

    Depending on your plan, you can take your phone to a repair shop close by or get a replacement shipped to you.

Need protection for other tech gadgets?

Add the Technology Coverage Endorsement‍ ‍ See note 4 to a USAA Homeowners or Renters policy.

Get up to $10,000 in protection for many of your devices. It costs as little as 14 cents a day.‍ ‍ See note 5

Learn more about the technology coverage endorsement

More electronics protection resources

Why you should purchase electronic insurance

Article: 5 minutes

Read article: Why you should purchase electronic insurance

Can you insure anything: Unconventional insurances

Article: 9 minutes

Read article : Can you insure anything: Unconventional insurances

Related footnotes:

  1. For two year plans paid in full at the time the plan is purchase, cost equates to $7.09 per month. For one year plans paid in full at the time the plan is purchase, cost equates to $8.33 per month. Plans paid for on a month-to-month basis are $9.25 per month.

  2. Percentage savings as compared to 2025 pricing of comparable ProtectCELL plan without the discount.

  3. Immediate coverage for undamaged phones purchased same day mobile phone protection plan purchased. Protection Plan for undamaged phone may be purchased for up to 12 months after the purchase of the phone. There is a 30 day waiting period for phones owned prior to the day the protection plan is purchased.

  4. All coverages may not be available in all locations.

  5. Countrywide average price for policyholders who have $1,000 in coverage as of January 2025. Rates may vary by location and risk. Rates are subject to change.

Related footnotes:

  1. Use of the term "member" or "membership" refers to membership in USAA Membership Services and does not convey any legal or ownership rights in USAA. Restrictions apply and are subject to change.

  2. The coverage examples or scenarios included above are intended to show the types of situations that may result in claims. They shouldn’t be compared to an actual claim. Whether or to what extent a particular loss is covered depends on the facts and circumstances of the loss, the terms, and conditions of the policy as issued and applicable law.

  3. Property and casualty insurance underwritten by United Services Automobile Association (USAA), USAA Casualty Insurance Company, USAA General Indemnity Company, Garrison Property and Casualty Insurance Company, NOBLR Reciprocal Exchange, based in San Antonio, Texas; USAA S.A. (Europe), and USAA S.A. UK Branch (United Kingdom) and is available only to persons eligible for property and casualty group membership. Each company has sole financial responsibility for its own products.

    Coverages subject to the terms and conditions of the policy.

  4. USAA Perks is available to all members of USAA Membership Services and customers with a USAA number. Purchase of a USAA Insurance product is not required.

  5. The USAA Perks program is provided through USAA Alliance Services LLC, a wholly owned subsidiary of USAA. USAA Alliance Services contracts with companies not affiliated with USAA to offer their products and services to members and customers. USAA Alliance Services receives compensation from these companies based on the sale of these products or services. When you purchase a product or service from one of these companies, that company is responsible for protecting your data and its processes and procedures may differ from those of USAA. These companies have sole financial responsibility for their products and services.

  6. By clicking on a vendor product or service, USAA may share your personal information (e.g. name, email, USAA Number, etc.) with these companies for authentication purposes and to facilitate your effort to transact business with their company

  7. © 2025 Consumer Cellular, Inc. All rights reserved. Terms and Conditions subject to change. New service activation on approved credit. Cellular service is not available in all areas and is subject to system limitations. USAA Members and customers receive an extra 5% off monthly service and 30% off select accessories with an active USAA membership ID. Does not include phones/devices, taxes or fees. If you're not completely satisfied within 45 days (data use is limited to 500MB) of activation of your service, cancel and pay nothing.

  8. Mobile phone protection plans are not issued by United Services Automobile Association (USAA) or its affiliates. The USAA Insurance Agency (the "Agency") contracts with third-party companies that are not affiliated with USAA to offer products and services ("third-party products") on their behalf. The Agency receives compensation on the sale or renewal of third-party products. Any protection plan descriptions are brief and are subject to the terms and conditions of the plan. Read your plan for details. USAA Insurance Agency means USAA Insurance Agency, Incorporated, or USAA of Texas Insurance Agency. California License #0D78305, Texas Lic. #7096. 9800 Fredericksburg Road, San Antonio, Texas 78288.

  9. Fortegra® is the marketing name for the wireless membership operations of the subsidiaries of The Fortegra Group, Inc. Products and services are provided by Digital Leash, LLC d/b/a ProtectCELL, a subsidiary of The Fortegra Group, Inc. Not all products and services are available in every jurisdiction. Please see terms and conditions for additional information including details of benefits and limitations.

  10. iPhone® is a registered trademark of Apple Inc.

  11. Coverage under this Plan is provided by and the obligation of Ironwood Warranty, LLC (TX Reg # SCP795; OR Lic # 234541), Ironwood Warranty of Florida, LLC (OK Lic # 516888082), or Lexington National Warranty Services, LLC (“Providers”), and underwritten by Hornbeam Insurance Company (NAIC# 11245) or Lexington National Insurance Corporation (NAIC# 37940) (“Insurer”), depending on your state of residence. Bolttech Device Protection Services LLC is the administrator of this Plan on behalf of the Providers. Coverage descriptions are brief and not intended to provide all details that apply to your coverage. Please read the terms and conditions of your Plan for information regarding the Provider and Insurer that is applicable to you and for all coverage details, limitations, exclusions and other Plan provisions that apply.

  12. The trademarks, logos and names of other companies, products and services are the property of their respective owners.

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