Gadgets have become vital parts of life these days. If you insure your car or your home, the thought of insuring your gadgets is not so far out there. Experts who sell electronics recommend this to protect both your devices and savings. Insuring your gadgets – particularly those you use often – is a safety approach which secures your devices against damage or theft.

Insuring Your Device

Even if you’re not a clumsy person, you probably have dropped your phone on the floor once or twice, resulting to a chipped or cracked screen. Or you might have accidentally dropped your tablet in the pool, and it’s now unresponsive to your efforts to “resuscitate.” On a rare occasion,

you might have simply thrown your gadget to the wall out of frustration and you realized the damage you’ve caused a minute too late.

These scenarios are just a few examples of what damage – deliberately or otherwise – can happen to your devices. For your peace of mind, gadget insurance is a must. Below are tips to insure your personal electronics against damage and theft.

• Use Apple Care.

There’s a running joke in some Apple stores that if a customer enters the store with a sad or frustrated face, everyone automatically thinks of Apple Care. And for good reason. Apple Care is Apple’s in-house insurance coverage for their gadgets. It extends the 90-day warranty of the devices so users have a friendly option to ask for a gadget replacement (if needed) within the given timeframe.

The Apple Care plans offer different costs of coverage on different devices. Be ready to pay upfront for a whole year of insurance within two months after your purchase. Plans start at $59.99 and can go up to $349.99 depending on the device you bought.

This protection is exclusive to Apple products and users. Android devices require a different insurance coverage.

• Use Protect Your Bubble.

For personal effects that are not Apple-branded, Protect Your Bubble is one way to go. It is a third-party insurance company where you can register your device for monthly dues.

When your registered personal electronic device accidentally gets damaged, you can call Protect Your Bubble and claim for insurance. A laptop can be shipped to a repair facility without paying anything.

Protect Your Bubble is recommended for ease-of-use. It also covers other electronic devices such as television sets or dishwashers. Basically, anything plugged in or with a fragile screen can be registered with Protect Your Bubble insurance.

Similar companies like ProtectCell, Asurion, and Esurance work for Android devices as well. However, Protect Your Bubble gets the edge with its price, convenience, and customer service.

• Use insurance from carriers.

This is an insurance from third-party companies connected with telecom providers. Plans depend hugely on the carriers and the devices covering theft or damages. Check with your provider for the options.

Do you think gadget insurance is for you? Just remember that insuring your gadgets, especially if you damage them all the time, is an awesome way to save you time and money.