Whenever you buy a big-ticket electronics device, furniture, or appliance you are presented with the question: would you like to add insurance coverage for that? One of the biggest players in this space is Allstate Protection Plans (formerly known as SquareTrade). Allstate has always been a huge company in the insurance space and with the SquareTrade acquisition they immediately jump to the top of the device insurance market. But is their service good? What is their reputation like? We look at that in this article.
Allstate Protection Plans: Pros & Cons
| Factor | Pros | Cons |
|---|---|---|
| Cost | Generally cheaper than manufacturer warranties | May be more expensive than relying on the manufacturer’s warranty or self-insuring |
| Coverage | Varies by plan, but can cover defects, malfunctions, and accidental damage | May not cover everything (e.g., cosmetic damage, pre-existing conditions) |
| Convenience | Easier to file a claim with Allstate than a manufacturer | May require deductible |
| Customer Service | Reportedly good customer service | Reading reviews can help you get a sense of real customer experiences |
Allstate Protection Plans: Reviews
| Source | Rating | Positive Reviews | Negative Reviews |
|---|---|---|---|
| Trustpilot | 4.1 / 5 | – Easy claim process – Good customer service experience | – Coverage exclusions can be tricky – May require deductible |
| Better Business Bureau (BBB) | 3.5 / 5 | – None listed | – Difficulty with claim approval – Misleading warranty descriptions |
| ConsumerAffairs | 4.1 / 5 | – Coverage for most devices – Affordable plans – Cancel anytime – Accident coverage | – May never be used – 30-day requirement for most devices |
Overall
Might be worth it for expensive electronics or appliances you plan to keep for a long time. Consider the cost of the plan, the likelihood you’ll need it, and the manufacturer’s warranty before buying
Key Takeaways
- Extended warranties from companies like Allstate Protection offer various benefits that need to be considered.
- It’s important to compare the coverage details, pricing, and customer reviews to make an informed decision.
- Evaluating the ease of service and support from warranty providers is essential for a satisfactory experience.
Allstate Protection Plan Alternatives
| Alternative Provider | Pros | Cons |
|---|---|---|
| Asurion (often offered by phone carriers) | Extensive network of repair partners | May have higher costs, mixed reviews on claim process |
| CPS Central | Customizable plans, competitive pricing | Less well-known provider than Allstate or Asurion |
| Manufacturer’s Warranty | Typically included with new device purchase, often free | Limited coverage duration, may not cover accidental damage |
| Self-Insure | Save money on plan costs | Risk of having to pay for repairs yourself |
| Assurant | Often available at retailers, established company | May have varying coverage options depending on the retailer, check details carefully |
Comparing Coverage and Benefits
When choosing to go with a warranty service like Allstate Protection for your electronic devices, it’s important to thoroughly understand the coverage and benefits each service offers to find the best fit for your needs.
Types of Protection Offered
Allstate Protection provides a range of options for electronic devices extending warranties beyond the typical manufacturer warranty period. The warranty is designed to cover issues such as mechanical and electrical failures, defects, or other problems within their guidelines. They handle accidents like drops and spills, which are not usually covered under a standard manufacturer’s warranty. SquareTrade offers specific AppleCare+ plans for Apple devices, giving a more specialized option for Apple users. Protection against theft may be included in some plans, but loss is generally excluded.
Dealing with Claims and Repairs
Customer service is crucial when handling claims and repairs. Both companies provide customer support for filing claims and guiding the repair process. They strive to make their claim filing procedures as smooth as possible, with online and phone options available. Once a claim is approved, Allstate Protection may offer various repair options, including local repairs or mail-in services. In some cases, a replacement unit may be provided if the item cannot be repaired.
Costs and Deductibles
The cost of an extended warranty or protection plan is a decisive factor for many customers. Allstate Protection sets their fees and deductibles based on the price and type of the device. Deductibles are the out-of-pocket costs for repairs or replacements and can vary between plans. Here are typical cost ranges:
- Monthly fees and service charges per repair or replacement.
Service and Support Analysis
Customer Service Experience
Users report that Allstate Protection offers a fairly streamlined customer service process, with a majority of customer reviews highlighting a positive experience. They have a reputation for providing timely responses, and a straightforward claim filing procedure.
Repair Network and Process
Allstate Protection has partnerships with several service providers, including Walmart, Home Depot, Costco, Target, Amazon, T-Mobile, and local repair shops that can service a wide range of products, from smartphones like the iPhone and Samsung Galaxy series to PCs and appliances.
- Extensive network, includes mail-in service and local repair options, often with a one-day service for common issues like a cracked screen.
Consumer Considerations
When evaluating protection plans, attention should be on:
- Types of Damage Covered: Both companies cover typical malfunctions and breakdowns, but policies differ on handling accidental damage, like liquid spills or drops.
- Ease of Making Claims: Ease of reporting an issue and receiving support is crucial. SquareTrade is known for a quick claim process.
- Repair Time: If you depend on your device daily, repair time is critical. SquareTrade’s affiliations with carriers like AT&T, Verizon, Sprint, and T-Mobile can result in faster turnaround times for smartphones.
- Cost vs. Coverage: Comparing costs and covered scenarios ensures you’re not paying for unnecessary extras. Extended protection plans from carriers, or those offered by Samsung Care+ or third-party options like Asurion and Assurant, can be weighed against Allstate’s offerings.
Customers should read reviews and consider if a plan is suited for their particular device and lifestyle, examining aspects like support for liquid damage or the need for quick, convenient repair options.
Frequently Asked Questions
When choosing a warranty plan for your devices or appliances, understanding the options available from Allstate or its competitors is crucial to making an informed decision. This section aims to clarify common inquiries about their service plans.
What are the main differences between Allstate Protection and it’s competitor’s warranty plans?
Allstate Protection is the largest company in the space so you get coverage across the widest selection of products and a huge financial backing behind your warranty. You know Allstate isn’t going anywhere so trust the terms of your Warranty to be seen through. Allstate has a moderately good reputation for covering common mishaps and providing quick customer service.
How are customer reviews For Allstate Protection?
Allstate Protection generally receives praise for reliable service and efficient claims processing, often resolving claims within 48 hours. They score a 4.1/5 on two major reviews sites.
How does AppleCare+ compare to the Allstate protection plan?
While AppleCare+ is specifically designed for Apple products and offers services like accidental damage coverage and priority access to Apple experts, the Allstate protection plan, under which SquareTrade falls, provides broader coverage options for a variety of devices, not limited to one brand.
What are the benefits of choosing AppleCare+ over Walmart’s protection plan for AirPods?
AppleCare+ for AirPods is tailored specifically for Apple products and could offer more specialized service, like direct support from Apple technicians and additional accident coverage. In comparison, Walmart’s protection plan might provide broader, more general coverage for various brands and types of products. Choosing between them depends on one’s preference for specialized service versus a one-size-fits-all plan.
