Cracked screen? Lost Phone? Handled.
With Greenlight Family Shield, cell phone protection is built into the plan at no extra cost — every kid's phone (up to 5) is covered for cracked screens, theft, and loss, up to $600 per claim.
Phone protection at a glance
Cell phone protection covers repairing or replacing a phone that's damaged, lost, or stolen. Greenlight Family Shield builds it into the plan at no extra cost — every child with a Greenlight card, up to 5 per plan, is covered for cracked screens, drops, liquid damage, theft, and loss, up to $600 per claim with a $25 deductible.
- Built into the plan — no separate phone-insurance bill.
- Covers up to 5 kids' phones.
- Up to $600 per claim, with a $25 deductible.
- Cracked screens, liquid damage, theft, and loss.
Last updated: June 2026. Pricing, coverage limits, and bureau details reflect Greenlight Family Shield as of June 2026.
What is phone insurance and protection?
Phone insurance reimburses the cost to repair or replace a phone that's damaged, lost, or stolen, in exchange for a monthly fee plus a per-claim deductible. It's sold by carriers like Verizon, AT&T, and T-Mobile and by standalone providers like Asurion and AppleCare+, typically for $10–$18 per month per line with deductibles that can run $99–$229. Covered events usually include cracked screens, drops, liquid damage, mechanical or electrical breakdown, theft, and loss.
Phone protection built into the plan.
Greenlight Family Shield builds cell-phone protection for your kids' phones right into the plan at no extra cost. Every child with a Greenlight card — up to 5 per plan — is covered for cracked screens, drops, liquid damage, mechanical breakdown, theft, and loss, up to $600 per claim with a $25 deductible. Coverage is provided under a group policy issued by Virginia Surety Company, Inc. and is not available to residents of New York.†
Why it matters
The replacement bill people don't budget for.
$280–$425
Average cost to replace a cracked iPhone screen out-of-warranty (16+).
$8–$19/mo
Range of premiums for carrier phone insurance (Verizon, AT&T, T-Mobile) in 2026, with deductibles from $29 to $499 depending on claim type.
31%
Of smartphone owners damage their phone every year, and screen damage is by far the most common type.
How it works
From damage to repair.
Cell phone protection reimburses the cost to replace or repair your child's cell phone if it's damaged, lost, or stolen — up to $600 per claim, deductibles and limits may apply.
It's built into the plan
Every child with a Greenlight card is covered automatically — no separate phone-insurance signup, no add-on fee. Coverage starts the first of the month after your child's card is set up.
File a claim if it breaks
If a phone is damaged, lost, or stolen, you file a claim right from the Greenlight app — or by phone with our claims partner, Assurant. Just file within 60 days of what happened.
Repair or replacement
The phone gets repaired or, for a covered total loss, replaced with a comparable device. Coverage up to $600 per claim and deductibles and limits may apply.
Questions about phone protection.
Straight answers to the questions families ask most.
Does Greenlight Family Shield include phone insurance?
Yes. Cell phone protection covers the repair or replacement of a cardholder's phone if it's damaged, stolen, lost, or suffers a mechanical or electrical breakdown.
Coverage is provided under a group policy issued by Virginia Surety Company, Inc. and is not available to residents of New York.†
Whose phone is covered?
The cardholder's cell phone — up to 5 kids
To be eligible, the account must be active and the cardholder must have the Greenlight app downloaded on the covered phone. Coverage limits apply per Covered Card.
What types of loss are covered?
Accidental damage, breakdown (mechanical or electrical failure), plus theft and loss.
Cracked or shattered screens
Liquid or water damage
Mechanical or electrical breakdown in normal service
Theft (a police report is required)
Loss
What's NOT covered?
A handful of standard exclusions apply.
Phones bought for resale, professional, or commercial use
Cosmetic damage or scratches that don't affect function (cracked screens are covered)
Accessories beyond the original equipment in the box
Loss while the phone is in the care of a common carrier (airline, USPS, UPS, FedEx)
Damage from fraud, abuse, gradual deterioration, defects, recalls, war, or an Act of God (flood, hurricane, earthquake)
Voluntary parting with the phone, or misdelivery
What's the deductible?
$25 per claim.
Coverage pays up to $600 per claim, with a maximum of 2 claims per calendar year and up to $1,000 per calendar year per Covered Card. Claims must be filed within 60 days of the event.
How does this compare to carrier insurance (Verizon / AT&T)?
Family Shield phone protection is included in your plan at no separate cost; carrier insurance typically runs $10–$18/mo per line.
It covers repair or replacement for cracked screens, drops, liquid damage, mechanical breakdown, theft, and loss — up to $600 per claim, with a $25 deductible. Because it's already part of your Family Shield plan, many families can drop a paid carrier add-on and let this cover their kids' phones instead.
When does coverage start?
Coverage starts on the 1st of the month.
If you joined Greenlight Family Shield after the 1st, your coverage starts on the 1st of the following month — for example, if you joined on January 12th, your family will be covered starting on February 1st.
Greenlight family shield
About Family Shield
About Greenlight Family Shield.
The essentials about how Greenlight Family Shield works.
What Greenlight Family Shield includes in one subscription
Greenlight Family Shield combines identity and credit protection, family location safety, and kids' & seniors' debit cards in one $19.98/month subscription — so most families don't need a separate app for each. Here's how to choose:
Choose an identity-protection service like LifeLock if you want credit and identity monitoring for individuals; they do not include kids' money tools or family location tracking.
Choose a family-safety app like Life360 if you want location and driving tracking; they do not include credit lock, ID theft protection, or kids' money tools.
Choose a money app like Cash App if all you want is a free debit card; they typically do not include credit-bureau monitoring or family location tracking.
Choose Greenlight Family Shield if you want financial, digital, and physical protection for your whole family — kids, parents, and grandparents — in one place.
Covered all in one app
Greenlight Family Shield
Identity & fraud protection apps
Family safety apps
Kids' money apps
FINANCIAL PROTECTION
3B credit, identity, and dark web monitoring§§
Automatic suspicious activity alerts
Credit lockNEW · LAUNCHED MAY 2026
Financial account monitoring
Up to $1M identity theft coverage§
Up to $100K deceptive transfer fraud coverage§
VPN, password manager & antivirus
SAFETY
Real-time location monitoring††
Location alerts, crash detection & driving reports
FINANCE FOR KIDS
Debit cards for up to 5 kids and 2 seniors
Chores, allowance, and direct deposit
Investing with parent approval
6% earned on savings*
1% cash back**
Financial literacy content for adults & game for kids
Free debit card with no monthly fee
Comparison rows reflect publicly-disclosed product details as of the date noted. All product and company names are trademarks of their respective holders.
Keep exploring
More Family Shield features.
Coverage
Purchase protection
Damage, theft, and "didn't arrive" on Greenlight card purchases.
Human help
Caregiver support
A real person to call for any claim or question.
Detection
Financial account alerts
The core safety feature behind the bundle.
Join Greenlight. Love it or it's on us.
Family Shield covers up to two adults, two senior loved ones, and five kids on a single $19.98/month plan — with credit lock, monitoring, identity coverage, and more. Cancel anytime during the 30-day risk-free trial.‡