The Asurion wireless insurance charge on your phone bill is a monthly device-protection premium, generally $7 to $25 per line, that your carrier collects on Asurion’s behalf and lists under its own branding rather than Asurion’s name. It covers accidental damage, loss, theft, and post-warranty mechanical failures, with a deductible due whenever you file a claim. You can keep it, or you can call your carrier and remove it.
Why It Doesn’t Say “Asurion” on Your Statement
Asurion underwrites protection plans for Verizon, AT&T, T-Mobile, and other carriers, but the charge appears under the carrier’s own product name. Look for labels like Verizon Mobile Protect, AT&T Protect Advantage, T-Mobile Protection 360, Device Protection, or Equipment Protection. It sits in the per-line section of your bill with your regular service fees, not down in the taxes-and-surcharges block.
On a family plan, each enrolled line usually carries its own protection charge unless the account is on a multi-device bundle. A four-line account with per-device coverage can be paying $64 to $100 per month in insurance premiums alone before taxes. To spot it, read the per-line breakdown rather than the total due.
What You’re Paying by Carrier
Premiums scale with the retail value of the phone. A budget handset sits in a lower tier; a flagship costs more to insure.
Verizon Mobile Protect
- Single device: $16 or $19 per month depending on model
- Two lines: $38 per month for the account
- Three lines: $57 per month for the account
- Four to 20 lines: $68 per month, with additional registrations around $12 each
Taxes and surcharges are added on top.1Verizon. Verizon Mobile Protect FAQs
AT&T Protect Advantage
Plans run $16, $19, or $25 per month per enrolled phone number, depending on device tier. Multi-device plans are available for accounts with multiple lines.2AT&T. Phone Insurance and Device Protection
T-Mobile Protection 360
Monthly cost ranges from $7 to $26 per device, plus applicable tax.3T-Mobile. Cell Phone Insurance and Protection Plan P360
Multi-device bundles save money over insuring each line separately, but only once you have enough lines to beat the single-device price.
What the Premium Covers
The plan handles what a manufacturer warranty won’t: cracked screens, liquid damage, and other accidental breakage. Carrier-backed Asurion plans typically also cover loss and theft, with a replacement device sent after you pay the deductible and file a claim.
Once the manufacturer warranty expires, the plan picks up mechanical and electrical failures like a dead charging port or a battery that stops holding a charge. Tech support for connectivity, setup, and battery issues is bundled in at no extra cost through phone or chat.
Claim limits vary by carrier, with most programs capping you at two or three claims within a rolling twelve-month period. Check your carrier’s program details for the exact number.
What You Pay When You Actually File a Claim
The monthly premium doesn’t cover the full cost of a claim. Every filing comes with a deductible or service fee on top.
Screen repairs typically carry a flat $29 service fee regardless of device tier.4Asurion. Device Protection Terms and Conditions Full replacements cost much more. Replacement deductibles generally start around $25 for the lowest-tier devices and climb to $275 or more for premium smartphones, depending on your carrier’s tier structure and the specific phone.
These deductibles are non-refundable. If the replacement arrives in a different color or a different model than you expected, the deductible doesn’t come back. Replacement devices may be new or refurbished, and the color, model, or features may differ from your original phone. In practice, refurbished units are common.
What the Plan Will Not Cover
Several exclusions catch subscribers off guard:
- Cosmetic damage that doesn’t affect how the phone works, such as minor scratches or small dents
- Accessories that weren’t in the original phone box
- Malfunctions that fall within the manufacturer’s active warranty period, which the manufacturer handles first
- Intentional damage
- Pre-existing conditions, meaning damage that existed before you enrolled
Is It Worth Keeping
Run the numbers against your own habits. A Verizon subscriber paying $19 per month for a single device spends $456 in premiums over two years. File one claim for a lost phone with a $275 deductible and the total climbs to $731 for what may be a refurbished replacement of a phone that originally cost $1,200. That still beats paying full price for a new device, but only if the claim actually happens.
Go two years without a claim and that $456 bought nothing. The $29 screen repair fee softens the math for anyone prone to cracked screens. Someone who uses a good case and holds onto their phones carefully may never file at all. Coverage pays off most clearly for people with a history of damaging or losing devices, and for anyone carrying a phone that would be painful to replace out of pocket.
One thing people miss: many credit cards include cell phone protection when you pay your wireless bill with that card. Limits and deductibles vary, but check that benefit before paying a separate monthly premium.
How to Cancel the Charge
Cancellation runs through your wireless carrier, not Asurion. The carrier controls the billing, so the carrier removes the line item. Three options work at any of the major carriers:
- Log into the carrier app or website, open the add-ons or device protection section, and remove the plan from the line you want.
- Call customer service with your account PIN and the phone number tied to the insurance. Ask for a confirmation number before hanging up.
- Visit a carrier retail store with valid ID and have a representative remove it from your account.
Have your account PIN ready and know exactly which line you’re removing coverage from. On a family plan, you can drop insurance from one line without touching the others, unless you’re on a multi-device bundle with a minimum line requirement.
Cancellation usually takes effect on the next billing cycle. Some carriers prorate the final charge, but not all do. Check the next statement to confirm the charge is gone, and if it reappears, call back with your confirmation number. Save that number; it’s your proof.
Getting Back on the Plan Later
Enrollment windows are limited. Most carriers only let you sign up within 30 to 60 days of activating a new device. Miss that window and you’re generally locked out until the next open enrollment period. Asurion and its carrier partners run periodic open enrollment windows that let existing customers add protection to devices that weren’t covered at activation, but these run for a limited time and aren’t available year-round.5Asurion. Open Enrollment If you cancel today, re-enrolling in six months isn’t guaranteed. Factor that in before you drop coverage on a device you want to keep protecting.