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The New AT&T - Your World. Delivered.

Phone Insurance

Lost or stolen? You're covered.
Convenient, Affordable Wireless Phone Insurance

Wireless Phone Insurance lets you protect your phone equipment against loss or damage. This unique insurance is available by special arrangement to AT&T customers thorough Continental Casualty Company, a CNA Company, and administered by lock/line®, LLC.

To enroll, please contact lock/line®, LLC at 1-888-562-8662.
How to file a claim
Before filing a claim or calling AT&T Customer Care, call the police to report lost or stolen wireless phones and obtain a police report number.
To temporarily suspend your service, call AT&T Wireless Customer Care and provide the police report number.
To file your claim, call lock/line at 1-888-562-8662.
Insurance Coverage Form
Various provisions in this Coverage Form restrict coverage. Read the entire Coverage Form carefully to determine rights, duties, and what is and is not covered.
Throughout this Coverage Form, the words "you" and "your" refer to the Insured. The words "we," "us", "our" and " Insurer" refer to Continental Casualty Company, the company providing this insurance.
Other words and phrases that appear in quotations have special meaning. Refer to Section VIII. DEFINITIONS.

  • COVERAGE
    • WE INSURE
      The Insured for direct physical "loss" that results from a Covered Cause of Loss to Covered Property.
    • WHO IS INSURED
      We insure the "Subscribers" that have enrolled and been accepted for coverage under this Coverage Form.
    • COVERED PROPERTY
      We cover the "Insured Product" of enrolled "Subscribers" as on file with us for direct physical "loss" from any of the Covered Causes of Loss, subject to the policy provisions, conditions and Limits of Insurance contained within this form.
    • PROPERTY NOT COVERED
      Unscheduled "Insured Product" except as provided in item C. above.
      Contraband or property in the course of illegal transportation or trade.
      Any antenna or wiring that is attached to, or protrudes from, or is on the exterior of any vehicle.
    • COVERED CAUSE OF LOSS
      We cover risk of direct physical "loss" to Covered Property except those losses that are recoverable under the manufacturer's warranty and those causes of "loss" listed in the Exclusions.
  • EXCLUSIONS
    We will not pay for "loss" caused directly or indirectly by any of the following. Such "loss" is excluded regardless of any other cause or event that contributes concurrently or in any sequence to the "loss."
    • Nuclear Hazard, meaning any weapon employing atomic fission or fusion; or nuclear reaction or radiation or radioactive contamination from any other cause. But we will pay for direct physical "loss" caused by resulting fire if the fire would be covered under this Coverage Form .
    • War, including undeclared or civil war; warlike action by a military force, including action in hindering or defending against an actual or expected attack, by any government, sovereign or other authority using military personnel or other agents; or Insurrection, rebellions, revolution, usurped power of action taken by government authority in hindering or defending against any of these.
    • Governmental Action, meaning seizure or destruction of property by order of governmental authority.
    • Indirect Loss, meaning any delay, loss of market, loss of use or any other consequential loss; an increase of "loss" caused by or resulting from the delay in repairing or replacing Covered P due to interference at the location of repair or replacement by strikers, other persons or any other cause of loss.
    • "Loss" due to acts caused by or resulting from rodents, insects, vermin, or other wild animals.
    • "Loss" due to the voluntary parting of Covered Property by you or anyone entrusted with the property.
    • "Loss" due to obsolescence, including technological obsolescence of the Covered Property.
    • Intentional, dishonest or criminal acts by you, any of your authorized representatives, anyone you entrust with the property, and any of their family members, or anyone else with an interest in the Property for any purpose, acting alone or in collusion with others.
    • "Loss" caused by change in color, texture, finish, expansion or contraction of Covered Property however caused or any other cosmetic damage to covered property however caused.
    • "Loss" resulting from faulty repair, adjusting, installation, servicing, or maintenance unless fire or explosion ensues and then only for "loss" by ensuing fire or explosion.
    • The discharge, dispersal, seepage, migration, release or escape of "pollutants."
    • Unauthorized repair or replacement.
    • Preventative maintenance or preferential adjustments.
    • Use of the Covered Property in a manner for which it was not designed or intended by the manufacturer, or failure to follow the manufacturer's installation, operation or maintenance instructions.
    • Error or omission in design, programming, system configuration, faulty construction, or any original defect in any Covered Property, or recall by the manufacturer.
    • Loss or damage to Batteries (unless lost as part of wireless telephone loss), Antennas, External Housings or Casings.
    • Any “Loss”, damage, cost, claim or expense, whether preventative, remedial or otherwise, directly or indirectly arising out of relating to:
      The recognition, interpretation, calculation, comparison, differentiation, sequencing or processing of data involving one or more dates or times, including the Year 2000, by any Insured Product; or,
      Any change, alteration, correction or modification involving one or more dates or times, including the Year 2000, to any Insured Product. This exclusion shall apply regardless of any other cause or event that contributes concurrently or in any sequence to the “Loss,” damage, cost, claim or expense. If direct physical “Loss” or damage not otherwise excluded by this policy results, then subject to all its terms and conditions, this Policy shall be liable only for such resulting “Loss” or damage. Such resulting “Loss” or damage shall not include any cost, claim or expense, whether preventative, remedial or otherwise, arising out of or relating to any change, alteration, correction, or modification relating to the ability of any damaged computer system, hardware, program or software, or any microchip, integrated circuit or similar device on computer equipment or non-computer equipment to recognize, interpret, calculate, compare, differentiate, sequence or process any data involving one or more dates or times, including the Year 2000.
    • Any “Loss” or damage occasioned by or through or in consequence, directly or indirectly, of “Computer Virus,” whether intentional or unintentional, and whether such loss be direct or indirect, proximate or remote, or be in whole or in part caused by, contributed to or aggravated by the covered causes of “Loss” insured against in this policy.
  • LIMITS OF LIABILITY
    • We will not pay more than US $1,500 per occurrence (less the applicable deductible set forth in Paragraph IV) for repair or replacement due to "loss" or damage to all Covered Property for any one enrolled "subscriber. "
    • We will only reimburse you for the lesser of the cost to repair or replace the Covered Property.
    • A maximum of two (2) replacements of an "Insured Product" will be allowed per enrolled "Subscriber" in anyone 12 month period beginning with the date of the first "loss." A cancellation notice will be sent upon completion of the second
      “Replacement.” The “Subscriber” may re - enroll twelve (12) months following the completion of the second “Replacement.”
  • DEDUCTIBLE
    A Fifty dollar ($50.00) deductible will be collected with each adjusted loss to Covered Property, per the terms of the agreement.
  • CONDITIONS IN THE EVENT OF "LOSS"
    Loss Payment - Covered Property: We will make good any "loss" covered under this Coverage Form.
    • In the event of a covered "loss," we will reimburse the "Authorized Service Center" for its cost to make necessary repairs or replace your Covered Property.
    • A single repair or claim includes multiple visits to a service facility for damages from the same occurrence .
    • A "Subscriber" will not be entitled to receive cash in lieu of actual replacement or repaired equipment.
    • A "Subscriber" shall not be entitled to receive replacement equipment if the covered repair is less
      than the replacement cost of the damaged equipment .
    • Replacement equipment may be refurbished equipment or equipment of like kind and quality.
    • If your original make and model of equipment is no longer available from our Authorized Service Center, the "Subscriber" will receive comparable equipment.
  • DUTIES IN THE EVENT OF A "LOSS"
    • You must notify your product service provider as soon as possible to suspend service.
    • If a claim involves a violation of law, you agree to promptly notify the law enforcement agency with jurisdiction and obtain confirmation of this notification.
    • You must report the "loss" promptly to us no later than sixty (60) days from the date of loss. If the "loss" is not reported within sixty (60) days, your claim will be forfeited.
    • You will do what is reasonably necessary to minimize the "loss" to protect the Covered Property from any further "loss." If feasible, set the damaged property aside and in the best possible order for examination. Also, keep a record of your expenses. Any expenses incurred to minimize the "loss" may be shared by you and us according to your and our interests.
    • You must provide us with a sworn proof of "loss" statement, a police report case number, and/or a copy of the police report filed for theft, attempted theft or lost equipment prior to receiving replacement equipment. Your proof of loss statement must be a signed and sworn written statement of "loss" containing the information we request to settle the claim. The information required includes: Your name, the property involved, and your interest in the property; The date, place and full details of the "loss"; The names and addresses of any witnesses to the "loss." Proof of loss requirements are satisfied once the customer signs for repair or replacement of the covered property and all requested information has been received as outlined in this Coverage Form .
    • You must permit us to inspect the property and records proving the "loss" and must cooperate in the investigation of such claim.
    • In the event of a covered accessory "loss," you must provide a copy of the original bill of sale.
    • If requested, you must permit us to question you under oath, at such times as may be reasonably required, about any matter relating to this insurance or your claim, including your books and records. In such event, your answers must be signed.
    • The Authorized Service Center must keep an accurate record of every approved expense incurred to repair or replace the lost or damaged property that is covered under this Coverage Form. The records must include the full details of the"loss" to the Covered Property, the date of loss, and an itemized breakdown of each cost involved with the repair or replacement of such property.
    • The Authorized Service Center or its designee will provide us, or our authorized representative, the lock/line Companies, sworn proof of loss statements.
    • You must provide us with all of the necessary information required to authorize your claim within sixty (60) days of the date that you report your "loss" to us. Failure on your behalf to take receipt of equipment within sixty (60) days of claim authorization from us will result in forfeiture of your claim under this policy.
  • ADDITIONAL CONDITIONS
    • You are responsible for the payment of all premiums, per the terms of the agreement, listed on your monthly bill from the Communication Service Provider.
    • Policy Cancellation or Non-Renewal Provisions
      The Coverage Form term is continuous until canceled unless you cease to be a subscriber of the Communication Service Provider or the applicable monthly premium is not paid. We may cancel or non-renew this Coverage Form by mailing or delivering to you written notice of cancellation or non-renewal at least:

      i) Ten (10) days before the effective date of cancellation if we cancel for nonpayment of premium; or
      ii) Sixty (60) days before the effective date of cancellation or non-renewal if we cancel or non-renew for any other reason.

      We will mail or deliver our notice to enrolled "Subscribers" at the last mailing address known to us. Notice of cancellation or non-renewal will state the effective date of cancellation or non-renewal and all coverage under this Coverage Form will end on that date. If cancellation or non-renewal notice is mailed, proof of mailing will be sufficient proof of notice.
      "Subscribers" may cancel their coverage under this Coverage Form by mailing or delivering to us advance written notice stating when such cancellation is effective. If an enrolled "Subscriber" is canceled for having two replacements in one 12 month period (beginning with the date of their first "loss"), we will forward a notice of ineligibility, by mail or fax with the Proof of Loss to the "Subscriber" during the time of the second replacement.
    • Coverage Form Term and Rate Provision. Coverage under this Coverage Form is continuous unless such "Subscriber" ceases to be a subscriber of the Communication Service Provider or the applicable monthly premium is not paid. Coverage under this Coverage Form begins for the equipment being insured as of the date of enrollment if enrollment is done at the point of activation by the Communication Service Provider. Coverage under this Coverage Form begins on the eighth (8th) day following the date of enrollment if the application for the enrollment is not concurrent with the activation of service of the Covered Property. However, we retain the right to review the Coverage Form periodically and adjust the coverage terms, including rates and deductibles.
    • All adjusted claims for covered "loss" under this Coverage Form will be made good within thirty (30) days after presentation and acceptance of satisfactory proof of interest and loss to us or our authorized representative, the lockline Companies. No claim shall be paid or made good if the "Subscriber" has collected for the direct physical loss or damage from others.
    • If we and you disagree on the value of the property or the amount of loss, either may make written demand for an appraisal. In this event, each party will select a competent and impartial appraiser. The two appraisers will select a competent and impartial umpire. If they cannot agree, either may request that selection of the umpire be made by a judge of a court having jurisdiction. The appraisers will state separately the value of the property and amount of loss. If they fail to agree, they will submit their difference to the umpire. A decision a g reed to by any two will be binding with regard to the value of the property or the amount of the loss only. Each party will:
      Pay its chosen appraiser, and
      Bear the other expenses of the appraisal and umpire equally. If we submit to an appraisal, we will still retain
      our right to deny the claim.
    • Any recovery or salvage on a "loss" will accrue, entirely to our benefit, until the sum paid by us has been made up.
    • A "loss" will not reduce the amount of insurance for Covered Property.
    • If any person or organization to or for whom we make payment under this policy has rights to recover damages from another, those rights are transferred to us. That person or organization must do everything necessary to secure our rights and must do nothing after a "loss" to impair them. But you may waive your rights against another party in writing:
      Prior to a covered "loss."
      After a covered "loss," only if, at time of loss, that party is one of the following:
      a) Someone covered under this policy:
      b) A business firm:
        (1) Owned or controlled by you; or
        (2) That owns or controls you; or
        (3) That is your tenant.
      This will not restrict your coverage.
    • Concealment, Misrepresentation or Fraud This coverage is void in any case of fraud, intentional concealment or misrepresentation of a material fact, at any time, concerning:
      This coverage;
      The Covered Property;
      Your interest in the Covered Property; or
      A claim under this policy.
    • No one may bring legal action against us under this coverage unless:
      There has been full compliance with all terms of this Coverage Form; and
      The action is brought within two (2) years after you first have knowledge of the "loss."
    • No person or organization, other than you, having custody of Covered Property, will benefit from this insurance.
    • The coverage territory is worldwide but loss will be adjusted under the value as converted by U.S. currency at the time of settlement.
    • Transfer of Your Rights and Duties Under this Policy (Assignment). You may not assign this Coverage Form without our written consent.
    • If you have a loss to Covered Property that is a part of a pair of set, we will only cover for a reasonable and fair proportion of the total value of the pair or set. We will not cover on the basis of a loss to the entire pair or set.
    • We agreed that any terms of this Coverage Form not in conformity with the statutes of the state in which this Coverage Form is issued are to conform to those applicable state statutes.
    • This Coverage Form contains all the agreements between you and us concerning the insurance afforded.
      This Coverage Form 's terms can be amended or waived only by endorsement issued by us and made a part of
      this Coverage Form.
    • Claims reported for a "loss" occurring during a period of payment delinquency or nonpayment are not covered by
      this Coverage Form. It is the responsibility of the Communication Service Provider to notify enrolled "Subscribers" of this condition when notifying the "Subscriber" of their service and premium delinquency or nonpayment.
  • DEFINITIONS
    • “Authorized Service Center” means the locations that serve as a repair or replacement facility for the insurer.
    • “Insured Product” as used in this Coverage Form means wireless telephones and their related accessories and equipment.
      Coverage is limited to one telephone and one standard vehicle power adapter, OR one standard ear piece, OR one standard
      carrying case, and, if applicable, one SIM card per claim.
    • “Pollutants” means any solid, liquid, gaseous, or thermal irritant or contaminant including smoke, vapor, soot, fumes, acid, alkalis, chemicals, artificially produced electric fields, magnetic field, electromagnetic field, sound waves, microwaves, all artificially produced ionizing or non-ionizing radiation and waste. Waste includes materials to be recycled, reconditioned or reclaimed.
    • “Subscribers” means: the customers of the Communication Service Provider which are on file with us or our authorized
      representative, lockline, LLC, that have submitted a complete description of the Covered Property and whose bill reflects
      the itemized monthly coverage charge as determined under VII. ADDITIONAL CONDITIONS, A.
    • “Loss” means accidental loss or damage, including but not l i m i t e d to, Mechanical or Electrical Failure .
    • “Mechanical or Electrical Failure” means failure of Covered Property to operate due to a faulty part or workmanship when
      operated according to the manufacture r’s instructions. Mechanical or Electrical Failure does not include failure of
      Covered Property to operate due to normal wear and tear.
    • “Replacement” means the act of a “Subscriber” receiving authorized equipment from an “Authorized Service Center” which closes the claim to complete the transaction.
    • “Computer Virus” means any unauthorized intrusive codes or programming that are entered by any means into covered data processing equipment, media, software, programs, systems, or records and interrupt the operations of Insured Product.
      This Insurance Coverage Form constitutes the entire agreement between the Insurer and its enrolled customers. This Insurance Coverage Form may provide a duplication of coverage already provided by a consumer’s personal auto insurance policy, homeowners insurance policy, personal liability insurance policy, or other source of coverage. Except as specifically provided by another law, the purchase of insurance is not required to complete the associated consumer transaction.

Any questions regarding the coverage provided under this Coverage Form should be directed to:

www.att.com
For Deaf/hard of hearing customers:
(TTY) 1-866-241-6567
lockline®, LLC
P.O. Box 411605
Kansas City, MO 64141-1605
1•888•562•8662
CA License #0554167 LRA TDI #0010098639

Program administered by lockline; LLC. Underwritten by Continental Casualty Company, a CNA company, for the customers of AT&T Wireless. Lockline is a licensed agent of CNA. Not available in all states. Program enrollment and replacement authorization shall be in the sole discretion of CNA, the program administrator, or any other authorized representative of CNA, in accordance with the terms of the insurance contract and applicable law. A seven day waiting period for coverage and equipment verification test must be completed if you do not enroll at point of activation. Please reference policy terms and conditions for complete details.