I have about 3 devices under assurant protection with t mobile. I ended up damaging a screen on one and filed a claim. while waiting for them to send me one in the mail. I had an unfortunate event and got the device stolen, being cracked and damaged it doesn't hold any value anymore. I called assurant to see if they could help me out since I didn't have the original device no longer and pay a higher deductible since I wouldn't be able to return the old one. They declined to help me and stated if i wasn't able to return the original device they would charge me full price for the replacement.. Note they had already charged me $100 for the deductible and now they were also going to charge me the price of a new galaxy note 8 when its not even new ( its refurbished) which doesn't have the same value as a brand new note 8. They declined to help knowing I still owe $400 on my original. I paid over $500 just on insurance this year and the one time i decide to use their service, I end up in a dilemma where its either I use my insurance and end up with my original phone balance and pay on top another $600 for a refurbished note 8 when all assurant has or had to do was cancel my claim or change it from broken to stolen claim. I am more than glad to pay the deductible of a stolen device but assurant has also declined to do so. I am not happy with the way management dealt with my claim. I angry and frustrated with assurant. I will most likely end my insurance plan on my devices because if I couldn't event get my first claim done right. They didnt seem to care at all and now I have to get a new device because I cannot afford to file a claim with assurant because instead of giving me piece of mind and having me proctected all they way instead I'm being robbed out of my money. Thanks for everything assurant!!!