Protection 360™ HomeTech is an electronics protection plan offered by T-Mobile that covers an unlimited number of eligible Wi-Fi-enabled home devices—excluding smartphones and major appliances—regardless of when or where they were purchased. This single, comprehensive plan provides coverage for mechanical/electrical breakdown, power surge, and accidental damage on eligible portable electronics, along with 24/7 access to live technical support.
This article will break down exactly what is included in the plan, detail which devices are covered, explain the claim limits, and provide step-by-step instructions for getting the support you need.
What Does Protection 360™ HomeTech Cover?
The core value of the Protection 360™ HomeTech plan is its ability to centralize the protection of almost all your connected household electronics under a single monthly fee (approximately $25 per month plus tax).
The plan provides three primary layers of security and support for your home devices:
- Comprehensive Device Coverage
The plan offers repair or replacement for eligible devices against key incidents, with generous claim limits.
- Mechanical & Electrical Breakdown: Covers your device if it stops working due to a defect after the manufacturer’s warranty expires. This benefit begins 30 days after your plan enrollment date.
- Power Surge Protection: Devices damaged by an electrical power surge are covered. This benefit begins immediately upon enrollment.
- Accidental Damage (Portable Electronics Only): For portable devices, the plan covers accidental damage from handling (like drops or spills). This benefit begins 30 days after your plan enrollment date.
- Generous Claim Limits: You are covered up to $2,000 per claim and up to $5,000 in any consecutive 12-month period.
- 24/7 Live Tech Support
One of the most valuable features is the personalized tech support, which is available instantly upon enrollment. You can call or chat with a live tech professional anytime, day or night. This support helps with:
- Setting up, connecting, and troubleshooting any connected device (not just covered devices).
- Assistance with Wi-Fi connectivity, smart home integration, and general device usage.
- Access to thousands of self-help tips and tricks.
- Unlimited Eligible Devices
The plan covers an unlimited number of eligible Wi-Fi-enabled electronics in your home. There is no requirement to register all your devices upon enrollment; you only need to add them when you need to file a claim or request support.
Which Devices are Covered by HomeTech Protection?
The plan is designed for almost any Wi-Fi-enabled electronic device in your home that is not a smartphone or a major appliance.
| Category | Examples of Eligible Devices |
| Home Entertainment | Smart TVs, Gaming Consoles (Xbox, PlayStation, etc.), Streaming Devices (Roku, Apple TV, Chromecast), Soundbars, Home Theater Systems. |
| Home Office | Laptops, Desktop Computers, Monitors, Printers, Modems, Routers, Wi-Fi Extenders, External Hard Drives. |
| Smart Home | Smart Speakers (Echo, Google Home), Smart Thermostats, Video Doorbells, Security Cameras, Smart Locks, Lighting Hubs, and other Smart Home Components. |
| Wearables/Portables | Tablets (Wi-Fi only), VR/AR Headsets, Audio Headsets, Wi-Fi Only Smartwatches, Portable Gaming Devices. |
Important Exclusions
- Smartphones: Smartphones are covered under the standard T-Mobile Protection 360™ plan (a separate offering).
- Major Appliances: Items like refrigerators, washers, dryers, and ovens are not covered.
- Vehicles/Automotive: Car electronics, including in-dash navigation systems.
- Theft or Loss: Coverage is for damage or malfunction only, not loss or theft.
- Accidental Damage (Non-Portable): Coverage for accidental damage (drops, spills) is limited to portable electronics (like laptops and tablets). It typically does not cover non-portable items like a mounted Smart TV falling off the wall.
How to Enroll and File a Claim
T-Mobile makes the process of enrolling and using the plan straightforward.
Enrollment
You can enroll in the Protection 360™ HomeTech plan at any time.
- Online or App: Add the “Protection 360™ HomeTech” feature to your T-Mobile account via the T-Life app or the T-Mobile website.
- App Download: Download the dedicated Protection 360™ HomeTech app on your Android or iOS device. This app is your hub for support, claims, and device inventory.
- No Registration Required: You do not need to register your devices immediately upon enrollment.
Filing a Claim
If a covered device breaks down, you must file a claim through the associated Protection 360™ HomeTech service provider (Assurant).
- Wait Period: Ensure it has been at least 30 days since your plan enrollment date (unless the claim is for a power surge, which has immediate coverage).
- Add Device: Open the Protection 360™ HomeTech app or visit the website. Go to “My Devices” and add the device you are filing a claim for, including the make and model.
- Start Claim: Select the device and choose “File a claim.” You will answer questions about the device condition.
- Pay Service Fee: Once your claim is approved, you will pay a service fee (deductible), which typically starts at a low rate for many small electronics.
- Resolution: The claim provider will then facilitate a repair or replacement of your device.
Frequently Asked Questions
Is Protection 360™ HomeTech the same as the standard Protection 360™ plan?
No. The standard T-Mobile Protection 360™ plan is specifically for smartphones and mobile accessories and includes benefits like JUMP!® Upgrades and loss/theft coverage. Protection 360™ HomeTech is a separate plan entirely, designed to cover your non-mobile home electronics like smart TVs, laptops, and smart home devices.
Do I have to buy my devices from T-Mobile for them to be covered?
No. One of the biggest advantages of the Protection 360™ HomeTech plan is that it covers eligible devices regardless of when or where they were purchased. This allows you to consolidate protection for new and old electronics bought from any retailer.
How soon after I enroll does coverage begin?
Your benefits begin at different times:
- Immediate Coverage: Access to 24/7 Live Tech Support and Power Surge Protection begins immediately upon enrollment.
- 30-Day Wait: Coverage for Mechanical/Electrical Breakdown and Accidental Damage begins on the 31st day after your enrollment date.
How much is the deductible (service fee) for a claim?
The service fee (deductible) varies depending on the device and the nature of the claim. While a comprehensive list is not public, many smaller electronic claims (like streaming devices) have a very low fee, while more expensive items like premium TVs or high-end laptops will have a higher, tiered service fee. You will be informed of the exact fee during the claim filing process.
Conclusion
The T-Mobile Protection 360™ HomeTech plan offers a convenient, single-source solution for managing the protection and technical support for the ever-growing number of Wi-Fi-enabled devices in the modern home. For a single monthly price, it provides comprehensive repair and replacement coverage for a wide range of devices against mechanical breakdown and power surges, complemented by 24/7 technical assistance for all your connected tech challenges.
