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Verizon insurance has three different deductible systems wearing one name — a $0 repair route, a flat damage fee, and a device schedule for loss and theft. Confusing them is how customers agree to the wrong charge. Here they are, separated.
| System | Number | Notes |
|---|---|---|
| Screen / back-glass repair | $0 | Eligible smartphones only; certified tech; 12-month repair warranty; parts may be refurbished or non-original |
| Damage replacement | $99 flat | Applies when your loss/theft deductible is $99 or more; if yours is under $99, damage equals it instead |
| Loss / theft | $19–$279 by device | 2023 terms tiers: $19 / $49 / $99 / $149 / $249 · 2024 schedule top $279 · ~$999 flagship compared at $229 in Feb 2026 (secondary source) |
Verizon publishes the schedule; your tier within it was set at enrollment by your specific device and lives in your plan documents and the claim portal. Anyone — including this site — who quotes you an exact loss/theft figure without your enrollment in hand is estimating. What we can do exactly: the checker applies the schedule bands to your device tier and flags which figures are official schedule and which are comparison-reported. For the deciding number, your documents control — and a claim agent's figure that disagrees with your documents is a record error worth disputing in writing.
Before the deductible you paid the premium ($19/mo on Mobile Protect — $228 a year) and after it you may pay the non-return fee if the broken phone ships late. The claim's true cost is the sum. The bad-deal math adds it honestly — including the cases where the right claim is no claim.
Want your own numbers first? The free checker takes your carrier, your plan, and what happened — and returns your exact deductible, your filing deadline counted in days, your claim-limit status, and the trap checklist for your case. Run the checker →
The pages above are the map. The kit is the paperwork: the trap map, the tables, the decoder, the complaint packs, and the worksheets that keep every number and clock in front of you.
One payment, yours to keep. We never ask for your carrier login — you file everything yourself. See everything inside the kit →