DO NOT insure your devices/ gadgets with this company. I have been with loveit coverit for the last 5+ years and been paying my monthly premiums throughout this time. Three months ago I sent in my phone (in good condition), for a broken back camera issue. To only find terrible customer service, difficulty getting the device repaired and then they returned it to me completely broken. The screen is flashing on and off so I can't use it anymore and shows big green lines across it. I have reached out and tried to speak to countless members of the team (including complaints) but I cannot return my phone if I am unable to remove find my iPhone.... well guess what, I can't get into the settings because of how damaged the device is- and this is their fault. It's been about a month since I've tried to speak to complaints, they keep delaying their response. Don't do it. You'll end up paying your premiums but being left with a completely useless device of anything happens to it.