If your device is lost, stolen, or damaged, filing a T-Mobile insurance claim is the fastest way to get a repair or replacement. T-Mobile’s device protection plans, primarily Protection 360™ and Basic Device Protection, are administered by its insurance partner, Assurant.
You can file a T-Mobile insurance claim quickly and easily online. This comprehensive guide provides the direct link, phone number, required information, and key facts about your coverage.
The 3-Step Process to File Your T-Mobile Insurance Claim
T-Mobile directs all claims related to accidental damage, loss, or theft to its insurance partner, Assurant.
Step 1: Prepare Your Information
Before you start, gather the following details to speed up the process:
- Mobile Number: The phone number of the device you are filing the claim on.
- Device Details: The make, model, and the 15-digit IMEI or Serial Number of the device. (You can often find this on your original box, receipt, or in the T-Life app).
- Incident Details: The date and time the loss, theft, or damage occurred.
- Payment Method: A credit card, debit card, or eCheck for the deductible/service fee.
- Crucial for Theft/Loss: If your device was lost or stolen, you must first call T-Mobile customer service at 1-877-778-2106 or dial 611 to suspend your service. You may also need to disable the “Find My” feature (for Apple devices).
Step 2: Choose Your Filing Method
You have three convenient options to file your T-Mobile insurance claim:
| Method | Access | Phone Number | Notes |
| Online (Recommended) | mytmoclaim.com | N/A | Fastest way to start a claim and view deductible. |
| Mobile App | Protection 360™ app by Assurant® | N/A | Use the app to file, track, and get device tips. |
| Phone | N/A | 1-866-866-6285 | Call Assurant directly for assistance or to file over the phone. |
Step 3: Track and Complete the Claim
Once your claim is approved, you will be notified of the replacement option, which is usually a reconditioned (refurbished) device of like kind and quality shipped via next-business-day delivery (when available).
- Tracking: You can track the status of your replacement or repair directly on the com website using your mobile number or claim ID.
- Return Malfunctioning Device: If your claim was for damage or malfunction, you must return the original damaged device within 10 days using the provided shipping label to avoid being charged a non-return fee (Unrecovered Equipment Fee), which can be up to the full retail price of the device.
Deductibles and Coverage Details (Protection 360™)
The cost of your T-Mobile insurance claim is the deductible or service fee, which varies based on the device model and the type of damage.
Key Deductible Information
| Claim Type | Deductible/Service Fee (Examples) | Claim Limits |
| Screen Repair (Accidental Damage) | $0 or $29 (depending on device tier) | Unlimited repairs for eligible smartphones. |
| Back Glass Repair | $0, $10, or $29 (depending on device tier) | Unlimited repairs for eligible smartphones. |
| All Other Accidental Damage (Water, Full Breakage) | Varies by device tier, often $99 – $249 | Unlimited accidental damage claims. |
| Loss & Theft | Varies by device tier (can be up to $499 or more for flagships) | Up to five (5) loss/theft claims in any rolling 12-month period. |
| Mechanical/Electrical Failure | $0 (A small processing fee may apply for some exchanges) | Unlimited claims (even after manufacturer warranty expires). |
Frequently Asked Questions (FAQ)
Who actually handles the T-Mobile insurance claims?
T-Mobile partners with Assurant (also known as Assurant Services, Inc.) to administer its Protection 360™ and Basic Device Protection plans. Assurant manages the claims filing, approval, device replacement, and collection of deductibles.
Can I file a claim for a broken screen for free?
Yes, in many cases. T-Mobile Protection 360™ offers $0 front screen repair for eligible smartphones when the repair service is performed by an Assurant-authorized repair center and is available in your area. For devices not eligible for the $0 screen repair, a service fee (usually $29) may apply.
How long do I have to file an insurance claim?
T-Mobile encourages you to file your claim as soon as possible. Claims for loss, theft, or damage generally must be reported within 90 days of the incident, unless otherwise required by state law.
