Here’s a hypothetical moment. A phone slid off the roof of a car, and now the screen and the back are both cracked. A repair shop quotes $180 to replace the back glass. An older page you found says a Verizon insurance claim costs $29 for a screen. (The $180 is an assumed quote for this example, not a real shop’s price.)
That $29 figure is out of date. It isn’t on Verizon’s current device protection chart. What a claim costs today depends on two things: what happened to the phone, and which phone it is.
If your Verizon protection includes Wireless Phone Protection, the insurance part that Asurion handles, these are the prices on Verizon’s current chart:
- Cracked screen, or back glass on listed models: $0, for select smartphones, if the phone is eligible when the claim is approved.
- Damaged and replaced instead: $99, or $19 if your phone’s loss and theft deductible is $19. Water damage lands here, and so does glass that doesn’t qualify for repair.
- Lost or stolen: $19 to $279, depending on the phone ($19 to $249 in New York). Your phone’s exact number is in Asurion’s lookup at phoneclaim.com/verizon.
So the phone in that example costs $0 if it qualifies for both the screen repair and the back-glass repair at approval, and $99 for most phones if it doesn’t. There’s no single “Verizon deductible.” There are three lanes, and your phone has its own number in each.
First, Check That Your Plan Covers Damage and Loss at All
Open My Verizon and go to Products & plan perks. With more than one line, select the phone in question. Verizon Mobile Protect, Mobile Protect Multi-Device, Total Equipment Coverage and Wireless Phone Protection on its own all include the insurance, and they share the same deductible schedule.
Verizon Extended Warranty by itself is different. It covers malfunctions after the manufacturer’s warranty ends, not drops, water, loss or theft. A phone that won’t power on, won’t charge or has a battery that won’t hold a charge has a malfunction, which goes through Extended Warranty repairs rather than an insurance claim. (Florida doesn’t offer Extended Warranty; there, post-warranty malfunctions go through the insurance with the damage deductible.)
If the name on your account is an older one, look for Wireless Phone Protection in its details. And this post assumes the coverage was already on the phone: Verizon’s enrollment terms require the phone to be undamaged and not lost or stolen when you sign up.
Which Price Applies Depends on What Happened to the Phone
Cracked glass is the cheapest lane. Verizon lists $0 per approved claim for cracked screen repair on select smartphones. Back-glass repair is limited to a list of models in Verizon’s brochure (as of March 27, 2025), and not every model in a phone family is on it. Check yours, including newer models, on Asurion’s Verizon site.
Eligibility is decided at the time of claim approval, not when you read about it. The repair is offered in select locations and depends on parts availability, so “my model is on the list” isn’t the same as “my claim will be $0.”
Both sides cracked is where the price can jump. A phone with a cracked screen and cracked back glass is repaired only if it’s eligible for both repairs. If it isn’t, the claim becomes a damage replacement at the damage deductible.
That deductible is $99. It applies when Asurion replaces a damaged phone instead of repairing it, which covers water damage and other physical damage. The one exception runs in your favor: if your phone’s loss and theft deductible is $19, its damage deductible is $19 too.
Household A: an iPhone 16 off the counter
Household A is a hypothetical example. Its iPhone 16 (128 GB) hits the floor and only the front screen cracks. If the phone is eligible at claim, the cost is $0. If the back cracked as well, the iPhone 16 is on Verizon’s back-glass list, so it’s still $0 when eligible for both at approval, and $99 for a replacement when it isn’t.
Lost or Stolen: Look Up Your Phone’s Own Number
For loss and theft, Verizon’s nationwide schedule has six prices: $19, $99, $109, $189, $229 and $279. New York customers are on a separate chart: $19, $49, $99, $149 or $249. Which one is yours depends on the model, and sometimes on its storage size.
Verizon’s brochure prints a sample of devices for each price. A few from that nationwide sample:
| Loss and theft deductible | Sample devices Verizon lists |
|---|---|
| $229 | iPhone 16, iPhone 16 Pro (128 or 256 GB), Galaxy S25, Pixel 9 |
| $279 | iPhone 16 Pro Max, iPhone 16 Pro (512 GB or 1 TB), Galaxy S25 Ultra, Pixel 9 Pro |
Newer phones aren’t in that printed table, and Verizon says deductibles may change from time to time and devices can move to a different tier. Switching phones can change your deductible as well. So for any phone, the number to trust is the one in Asurion’s deductible lookup for Verizon on the day you file.
It also helps to see how far apart the lanes are on one device. An iPhone 16 Pro Max is $0 for an eligible cracked screen, $99 to replace after damage and $279 if it’s lost or stolen.
Household B: a stolen iPhone 16 Pro Max
Household B, also hypothetical, has an iPhone 16 Pro Max stolen. On the nationwide chart that’s $279. If Household B lived in New York, the NY chart tops out at $249, and the lookup would show which New York price applies to that model.
Claim or Repair Shop? Put Your Two Numbers Side by Side
Once you know your lane and your phone’s number, set it next to a real repair quote. That’s the whole comparison, and it’s personal: the claim side moves with your phone and the damage, the shop side with your phone and the shop.
Two assumed quotes show how it can go. A shop quotes $180 to replace back glass on a phone that isn’t eligible for glass repair: the claim is $99 against $180. A shop quotes $79 for a screen on an older phone whose damage deductible is $99: the shop looks cheaper, unless the phone qualifies for the $0 screen repair, so that’s worth checking first. Both quotes are made-up examples.
Two terms take some pressure off. Single-device coverage has no limit on the number of claims (Multi-Device: unlimited per registered line), with a cap of $3,000 per claim, so a screen claim doesn’t use up a claim you might need later. But the deductible is non-refundable and charged per approved claim.
A price comparison won’t show everything. Asurion’s repairs may use new or refurbished, original or non-original parts and may void the manufacturer’s warranty; they carry a 12-month limited warranty. A replacement can be a new or refurbished phone of like kind and quality. And a problem the manufacturer’s warranty still covers isn’t an insurance claim.
Where I’d start: with only the front screen cracked, I’d check the $0 repair lane in the claim flow before booking a shop, since claims aren’t rationed. That’s a consideration, not a rule. If original parts or the manufacturer’s warranty matter more to you, the shop or the manufacturer may be the better call.
“Before I pay anything: is this phone eligible for the $0 cracked screen repair, and for back-glass repair too, at a location near me? If it isn’t, what is my damage replacement deductible, and will the replacement be new or refurbished?”
Filing Without Paying More Than the Deductible
Who files, and by when. Only the Account Owner or an Account Manager can file: online on Asurion’s Verizon claim site, in My Verizon (Device Overview, then Manage, then “Lost, stolen, or damaged device? Start a claim”), or by calling Asurion at (888) 881-2622. The deductible is paid to Asurion with the claim. File within 90 days of the incident; late claims aren’t covered.
If the phone is lost or stolen. Call Verizon at 1-800-922-0204 to suspend the line as soon as you can. For a theft or any loss of possession, file a police report or get a case number; if Asurion asks for a copy, you have 30 days to provide it.
If you get a replacement for a damaged phone. It arrives with a prepaid shipping label for the old one. Send the damaged phone back within 15 days of receiving the replacement, or a Non-Return Fee of up to $300, based on the cost of the claim, can be charged. That fee is separate from the deductible. Lost and stolen phones have nothing to return.
Household C: a Galaxy S25 in the sink
Household C is hypothetical too. Its Galaxy S25 goes into water, so the claim is a damage replacement at $99. If the wet phone sits in a drawer past 15 days after the replacement arrives, up to $300 more can be added, or up to $399 for that one claim. The $300 is the part a household fully controls.
Find Your Number Before You Start the Claim
The order that keeps a claim at its lowest price: confirm Wireless Phone Protection under Products & plan perks, name your lane (glass repair, damage replacement or loss), and look up your phone on phoneclaim.com/verizon. If a shop is in the picture, weigh its quote against that number, along with the parts and warranty trade-offs.
Then have the account owner or a manager file inside 90 days, suspend and report a missing phone right away, and get a damaged original into the mail within 15 days of the new one. What I’d keep in mind is that the $0 lane is decided at approval, so ask the eligibility question before you pay anything.
If a stolen phone has you thinking about switching carriers instead of replacing it, our guide to leaving Verizon before your phone is paid off walks through the device balance, promo credits and unlock timing you’d be dealing with.
Sources: Verizon’s Important Things to Know about Device Protection (nationwide and New York charts); the Verizon Mobile Protect brochure and insurance terms on Verizon’s device protection brochures page (New York has its own brochure there); Verizon’s insurance claim FAQs and phone repair page; Asurion’s Verizon deductible lookup. Checked Oct. 16, 2026; deductibles and device tiers can change. Households A, B and C and both repair quotes are hypothetical examples, not real customers or shops.