Ngaba i-inshurensi yomnxeba ifanelekile? Izinketho zesithwali vs AppleCare vs Samsung Protection vs SquareTrade

Ukuba wophula iscreen se-Galaxy S7, iya kukudla imali eyi- $ 270 kunye ne-veki ubuncinci ixesha lokuyifumana, kwaye umboneleli kuphela yi-Samsung. Ukuba eso ayisosikhalazo sokubiza ubabalo lwakho lwangaphakathi ngalo lonke ixesha uphatha le fowuni, okanye uyigcine kwisongezo seqamza, asazi & apos; asazi ukuba kuya kuba yintoni.
Kuyavunywa, ungasoloko ubeke ityala lokuzikhusela ujikeleze le njana intle, kunye nomaleko wokhuselo lwesikrini, kodwa, masijongane nayo, ayizukujongeka njengelungileyo, kunye nescreen se-Edge sinokungasebenzi ngokunjalo. Ungathini ukuba ungumntu ohamba ze unganxibanga, kwaye sukubeka naluphi na ukhuseleko ukuze ungagubungeli umphezulu ocwebezelayo, de kufike ubusuku nje obunye edolophini, okanye klutz ozelwe ngokwendalo, kwaye uhlale ushiya izixhobo zakho eziphathwayo? Ewe, ke into eshiyekileyo kuwe yeyokuba uphonononge uBenjamin (okanye ezimbini okanye ezintathu), ukuba uyaphula isikrini okanye wenze nawuphi na omnye umonakalo, okanye ukuzama ukukhusela i-gear ukusuka ekuhambeni, ngoko ke ukubetha Kwimali yakho ayikokugqobhoza. Yeyiphi i-inshurensi oyikhethileyo, nangona kunjalo, kwaye kufanelekile kuyo?
Ewe, thina & apos sithelekise iindlela ezimbalwa ezithandwayo apha ngezantsi ukukunceda ukhethe ukuba uthatha isigqibo sokuya kwindlela yeinshurensi ngokutsalwa kweefowuni ezibiza kakhulu njengeGalaxy S7 okanye i-iPhone 6s; kwi- $ 270 ukubuyisela umboniso womphetho, kunye ne- $ 150 yokutshintsha ipaneli yokuChukumisa ye-3D ngaphandle kweinshurensi, zezona zinokufumana inzuzo kuyo. Kukho umntu ophetheyo (ubukhulu becala aphethwe ziinkampani ezinikezelweyo ezinje nge-Assurant okanye i-Asurion), umenzi kunye neenketho zomntu wesithathu, ke thabatha incopho, kwaye usixelele isigwebo sakho sokuba ingaba olu hlobo lokhuseleko lukulungele na ukutyala imali.

	Intlawulo yeminyaka emi-2 yokuhlawula	Ukuxhuzulwa (ngebango ngalinye)	Ukufunda
Inguqulelo	$ 216 ($ 9 ngenyanga)	$ 199	Ukuphulukana nobusela, ukonakala ngengozi, ukungasebenzi kakuhle kwewaranti.
Amabango amabini kwisithuba seenyanga ezili-12 zilandelelana.
I-AT & T.	$ 168 ($ 7 ngenyanga)	$ 199 (ukwehla ukuya kwi-149 yeedola emva kweenyanga ezi-6 ukusukela kwibango lokugqibela, nakwi-99 yeedola emva konyaka)	Ukuphulukana nobusela, ukonakala ngengozi, ukungasebenzi kakuhle kwewaranti.
Amabango amabini kwisithuba seenyanga ezili-12 zilandelelana.
T-Iselfowuni	$ 240 ($ 10 ngenyanga)	$ 175	Ukuphulukana nobusela, ukonakala ngengozi, ukungasebenzi kakuhle kwewaranti.
Amabango amabini kwisithuba seenyanga ezili-12 zilandelelana.
I-Sprint	$ 264 ($ 11 ngenyanga)	$ 200	Ukuphulukana nobusela, umonakalo nokungasebenzi kakuhle.
Amabango akho okuqala okulungisa / otshintshiselwano afakiwe ngaphandle kwentlawulo. Emva kwala mabango mabini okuqala umrhumo wenkonzo eyi- $ 25 usebenza ngalo naliphi na ixesha lokulungisa / lokutshintshiselana kwixesha leenyanga ezili-12.
Inkathalo	$ 129	$ 99	Ukulungiswa okanye ukutshintshwa ngengozi ngengozi, kokubini iinxalenye kunye nabasebenzi, ezivela kwiingcali ezigunyazisiweyo zika-Apple.
Ukubonelelwa kuya kuphelelwa xa iApple ikunika imicimbi emibini yenkonzo. Akukho lahleko okanye ukhuselo lobusela.
Ukhuseleko lweSamsung +	$ 129	$ 79	Umonakalo owenzeke ngengozi, kunye nokuphazamiseka koomatshini okanye kombane emva kokuphela kwewaranti yomenzi.
Ukuya kuthi ga kwi-2 yokutshintshwa kwisithuba seenyanga ezili-12 zamabango omonakalo ngengozi. Akukho lahleko okanye ukhuselo lobusela.
IsikwereTrade	$ 119 ($ 5 ngenyanga)	$ 99	Ukuqhubeka kwengozi kunye nokungasebenzi kakuhle kwayo nayiphi na ifowuni esebenzayo, endala okanye entsha.
Ukufikelela kumabango ama-4, ixabiso lekhava yakho lilinganiselwe kwixabiso lokuqala lokuthenga lento yakho. Inkonzo elula kuyo nayiphi na indawo yokulungisa, kodwa akukho lahleko okanye ukhuselo lobusela.

Ngamafutshane

Ukujonga kwitafile engentla, kulula ukuba ugqibe ekubeni i-inshurensi yefowuni ayibizi, kodwa ukuba ubhatala imali yeenyanga ezintlanu okanye ezilishumi, kuyanyamezeleka. Ngaba kufanelekile, nangona kunjalo? Njengothelekiso oluninzi, akukho mpendulo ichanekileyo eya kusebenza kuzo zonke iimeko, ke makhe sijonge imizekelo embalwa ngowona monakalo uqhelekileyo ngengozi- isikrini esaphukileyo.
Elona tyala libalaseleyo le-pro-inshurensi kukuba wena, uthi, ungumnini we-Galaxy S7, kwaye ubhalisele eyona ndlela inexabiso eliphantsi ukuyigubungela, eyenzeka nje ukuba ibe sisiqinisekiso seSamsung Protection Plus. Nge-inshurensi, iphaneli eyaphukileyo iya kukubiza i-210 yeedola xa ubhatala kwaye unciphise, endaweni ye-270 yeedola, ke kwimeko apho ungcono xa usonyusa i-inshurensi ye-S7. I-Ditto yeefowuni ezinjengeNqaku 5 okanye i-S7, eneepaneli ze-AMOLED ezijikeleza ngaphezulu okanye ngaphezulu kwenqaku le- $ 200, nazo.
Ukuba ungumnikazi, yithi, i-iPhone, nokuba yi-6s Plus, ene-3D Touch panel yayo ebiza i-149 yeedola ukubuyisela ngokuthe ngqo, i-AppleCare iya kukuhlawulisa i-220 yeedola ngokufanayo nango kutsalwa. Ekuqalekeni blush, oku akubonakali ngathi kuthethathethwano, kodwa ukuba uyakwazi ukwenzakalisa, yithi, ngengozi umonakalo osisigxina wamanzi kwi-handset, oko kubala kujika kuye entloko. Ngaphaya koko, iAppleCare ibonelela ngenkonzo ekhawulezileyo yokulungisa okanye yokutshintsha kwenye ivenkile yeApple, ukuba nje wenza idinga kwi-intanethi kwangaphambi kwexesha, ngenxa yoko awuzukuhlala ne-iPhone yakho ixesha elide.
Ukuba uphulukene nezo fowuni, okanye ziyebiwe, nangona kunjalo, uphume ngethamsanqa ngaphandle kwezicwangciso zokulahleka njengoKhuselo +, iAppleCare, okanye iStratTrade. Ukugubungela ezo ziganeko, unokufuna ukukhupha isicwangciso se-inshurensi. Kubiza ngaphezulu kakhulu kunezinye iindlela ($ 370- $ 470 ngengozi enye kwisithuba seminyaka emibini), kodwa uhlawula nge- $ 7- $ 11 ngezavenge zanyanga zonke, kwaye eyona meko imbi kakhulu egutyungelweyo kwezo zicwangciso kukuba ifowuni yakho ephezulu iyalahleka okanye ibiwe. Ngenxa yokuba ezo njana zixabisa ama- $ 650 emantla, kusafanele kwaye xa usenza umgca.
Ewe, le mizekelo ye-pro-inshurensi ithe kratya, njengoko ukutshintshwa kwescreen kweefowuni ezininzi kungabizi kakhulu, okanye unokuba luhlobo olunobuqili abangasayi kulahleka okanye bahluthwe iifowuni. Kwimeko apho, unokuba lijoni ngaphandle kwe-inshurensi. Okukhona ushiya, uphulukana, okanye nangayiphi na indlela ungakhathali ngesiphatho sakho, nangona kunjalo, kokukhona naluphi na uhlobo lweinshurensi luya kuhlawula ngaphezulu kwesithuba sesicwangciso sokhuselo esiqhelekileyo. Khetha ityhefu yakho.