An iPhone case with a little something extra: insurance

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Being the resident “extreme” iPhone case enthusiast (and also the klutz who drops his phone most often), I was intrigued by the new cellhelmet Kickstarter project. This $44.99 case combines svelte design with protection against drops, but bundles it with an actual insurance policy that replaces your iPhone if damaged while in the case.

The case in and of itself isn’t magical, and according to David Artuso of cellhelmet creator cellpig.com, the case isn’t “superman.” The design has angled edges to protect against drops, and a choice of six different colored backplate shields to protect the glass, providing great protection without the bloat of other solutions.

What sets the cellhelmet apart is the bundled insurance policy, administered by Global Warranty Group. Should the iPhone break while in the case, a $50 handling fee covers any repairs required, or complete replacement if necessary. I’ve written about iPhone insurance before,  this case including the insurance for the $44.99 purchase price is what makes it interesting.

The plan does not cover water damage, nor does the case protect the water sensors, but according to gadget insurance provider SquareTrade, glass breakage accounts for 82 percent of its claims. The cellhelmet is competitive with SquareTrade’s own insurance program, but is slightly less expensive, applies even to used iPhones, and of course, comes with a case. Your iPhone has to be in the cellhelmet for its policy to apply, however.

Coverage lasts for one year from the time you purchase your cellhelmet, and should you ever have to claim a total device replacement, you’ll have to buy another cellhelmet, but that’s consistent with other third-party insurance programs. If all your device requires is a screen replacement after an accident, you get unlimited repairs.

For slightly more money than a stylish iPhone case, and slightly less than a third-party insurance program, you can get both by backing the Pittsburgh-based company’s project on Kickstarter. Not a bad deal, especially if you can’t seem to keep a firm grip on Apple’s beautiful but somewhat slippery smartphone designs.

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