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Thanks for bringing up this topic — it's a practical concern for many of us who rely heavily on our smartphones. Will I pay for mobile phone insurance?
Yes, if the phone is expensive or a newly launched model (like flagship phones from Apple or Samsung), I would consider getting insurance. Why?
Because smartphones are now essential for everything — communication, work, banking, and even entertainment. Accidental damage like water exposure or screen cracks can happen anytime. Paying 1,000–3,000 yuan per year for insurance might seem like a lot, but it can save you from major expenses in the long run, especially with high-end devices. Why not (in some cases)?
If the phone is already old or a budget model, the insurance may not be worth it. Also, some insurance plans come with strict conditions or complicated claim procedures. So I only recommend it if the coverage is clear and the support is responsive.
By the way, if you're into gaming or tech-related topics, feel free to check out my site: https://robloxredeem.co/ — we share a lot of cool stuff! In short: for high-value phones — yes , insurance is worth it. For older or cheaper phones — maybe not . It really depends on your usage and risk tolerance.
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