Premium Handset Protection (PHP)

    Premium Handset Protection® (PHP) provides protection against device malfunction due to a mechanical breakdown, accidental damage, loss, and theft. If you already have PHP, and need to file a claim, find out how.



    How PHP works

    Premium Handset Protection is a service provided by Assurant Solutions and offered by T-Mobile that provides device replacement coverage for accidental damage; malfunction due to a mechanical breakdown; loss; and theft, even after the manufacturer's warranty expires.


    For pricing and other information on what's covered, read about the JUMP!™ upgrade program and handset protection services.


    You're not required to purchase PHP in order to activate service with T-Mobile. But, without protection, you may be responsible for the full replacement cost of your phone.


    You may already have coverage through homeowner’s insurance or other means (T-Mobile is not qualified to evaluate your existing insurance coverage). Keep in mind, if you have other coverage, the deductible you'd have to pay with another insurer may be higher.


    Any questions regarding PHP coverage provided should be directed to Assurant Solutions at 1-866-866-6285.


    Coverage includes replacement of the device, SIM, battery, and standard charger. Other accessories, routers, and netbooks are not covered. Warranty exchanges are completed by T-Mobile for device manufacturer defects that could occur within the first year of the Manufacture Warranty. Contact T-Mobile Customer Service if you're experiencing a warranty issue.


    Things to keep in mind:

    • Maximum of two approved claims within a 12-month period for claims of accidental damage, loss, or theft (Subject to your deductible).
    • No maximum on the amount of replacements for mechanical breakdowns.
    • A maximum of $1,500 per claim applies.
    • When buying PHP only, the Lookout Mobile Security Premium feature is not included.
    • We'll do our best to replace your device with a new one, but it may be a similar reconditioned device. Replacement device comes with a 6-month warranty.


    PHP benefits

    • Peace of mind. With PHP, you can live your life knowing you're covered for malfunction due to a mechanical breakdown, accidental damage, loss, and theft. Phone dropped in water? Covered!  Keypad stopped working? Covered!
    • Convenience. File your claim quickly and easily, either online or by phone.
    • Warranty. Every replacement phone comes with six months warranty or the original manufacturer's warranty, whichever is longer.
    • Get reconnected quickly. Once your claim is approved by Assurant Solutions, your replacement phone will be shipped overnight (if available), at no charge.
    • Low cost. You'll know exactly what you're going to pay for the replacement phone, and you won't pay the full replacement cost for a phone.


    PHP enrollment

    Enrollment must occur no later than 14 days after a purchase of a qualified T-Mobile phone. You can cancel coverage at any time, 24 hours a day, seven days a week. If you already have PHP, find out how to file a claim.


    You can enroll in Premium Handset Protection through several ways:



    For New York customers only: Premium Handset Protection includes the Service Contract component (Mechanical Breakdown). Also, you receive loss, theft, and accidental damage coverage benefits. Benefits may also be purchased separately through an insurance program that offers coverage in the event of loss, theft, and accidental damage for a monthly charge per device, or through an extended service contract that offers coverage against mechanical breakdown for a monthly charge per device.


    All other states: Premium Handset Protection covers the Service Contract components (Mechanical Breakdown and Accidental Damage). Also, you receive Loss and Theft coverage benefits at no additional cost to you. You'll be a certificate holder on T-Mobile's Insurance Policy for Loss and Theft coverage benefits. T-Mobile pays for these benefits on your behalf. There are no separate insurance fees.


    Related pages


    Enroll in Premium Handset Protection

    File a Premium Handset Protection (PHP) claim