July 31, 2026
Do You Really Need Insurance If You Already Track Your Phone?
They're solving different problems
Tracking, locking, and a fast police report are all about recovery — getting the actual device back, or making sure it can't be used or resold if it doesn't come back. Insurance is about replacement — money toward a new device once recovery genuinely isn't happening.
Where tracking alone falls short
If a device is destroyed, or recovery efforts exhaust every option and it's genuinely gone, tracking has nothing left to offer — that's exactly the gap insurance exists to fill.
Where insurance alone falls short
A claim almost always requires a police report with the IMEI, proof of the incident, and a waiting period — insurance doesn't help you locate the phone in the meantime, doesn't lock it to protect your data while a claim processes, and doesn't reduce the chance you needed a payout in the first place.
Filing a claim once recovery isn't working out
If a device is confirmed gone, DevTrac's insurance claim form is attached directly to the incident record — it pulls in the same IMEI and details already on file from the police report, rather than starting the paperwork over from scratch with your insurer.
Related feature
Track a stolen phone's location in real time
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