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.

A plan with ProtectCELL can help you replace your new phone if it gets 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

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)

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.

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.

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

Steps to complete How it works

File a request.

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

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

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

Article: 5 minutes

Article: 9 minutes