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🔒 Full Purchase Value Protection

What's Covered vs. What's Not

Complete Transparency. Real Protection. No Surprises.

To help you make confident, informed decisions about protecting your devices. This page outlines exactly what ProtectSmart covers, what we don't, and why we're different from traditional warranties or insurance providers.

✅ Section 1: Coverage Overview – What We Do Cover

ProtectSmart gives you full reimbursement — not just repairs — when your device breaks due to internal wear and tear, not physical damage.

✔️ Covered Events (Internal Component Wear Only)

Covered Scenario Description
Internal Hardware Failure Motherboard, CPU, RAM, or storage component failure from normal wear
Power Surge Damage Internal component damage from electrical surges or power issues
Mechanical or Electrical Failure Internal breakdown of components after normal use and aging
Internal Input Component Failures Internal keyboard circuits, trackpad controllers, or port circuitry failures
Overheating & Internal Malfunctions Device failure due to internal cooling system or thermal component failure
Manufacturing Defects (Post-Warranty) Internal component defects that appear after manufacturer warranty expires
Contemporary office interior with ergonomic furniture, blue chairs, desks, and computers in a spacious area with large windows. Concept of workspace design. 3D Rendering.

💻 Complete Device Coverage

Our comprehensive protection covers your essential computing and entertainment devices - laptops, desktops, tablets, gaming consoles, and TVs. Every device you rely on is protected with full purchase value coverage.

Laptops & Desktops

All personal computers and workstations

Tablets

iPads and all tablet devices

Gaming & Entertainment

Gaming consoles and TVs

🔁 Included with Every Plan

Full Reimbursement

Up to original purchase value

No Depreciation

Full value protection over time

Fast Turnaround

3–5 day average reimbursement

Payment Choice

ACH, Visa Gift Card, or Cash App

Flexible Verification

Zoom, Onsite, or Store visit

Dedicated Support

Real-time status tracking

❌ Section 2: What We Do Not Cover

To keep our protection sustainable and affordable, some situations are excluded.

🚫 Not Covered Events

Excluded Scenario Reason Not Covered
Theft or Lost Devices We do not insure against stolen or misplaced devices
Intentional or Negligent Damage Damage from abuse, misuse, throwing, slamming, etc.
Cosmetic Damage Only Scratches, dents, or blemishes that don't affect functionality
Unauthorized Repairs or Modifications Devices tampered with or opened by unauthorized personnel
Software Issues / Viruses We don't cover bugs, viruses, or software configuration problems
Battery Degradation Normal battery wear is expected over time
Accessories or External Parts Chargers, headphones, monitors, or external mice
Used or Refurbished Devices Only new, verified devices purchased in the last 72 hours are eligible

🛑 Important Notice

Submitting false information, fake receipts, or repeated suspicious claims will result in immediate denial and potential account cancellation.

🧾 Section 3: Coverage Summary Chart (by Device Type)

Quick reference guide for coverage by device category

Device Coverage Breakdown

Device Type ✓ Covered ✗ Not Covered

Laptops

MacBooks, PCs, Chromebooks

Hardware component failures
Internal hardware failure
Power supply failure
Cracked screens
Theft, lost
Battery degradation

Desktops

PCs, iMacs, Workstations

PSU failure
Motherboard issues
Port malfunctions
User-installed upgrades
Software bugs

Tablets

iPads, Surface, Android

Hardware failures, drops
Touchscreen failure
Cracked back panel with full function
Old damage

Game Consoles

PlayStation, Xbox, Nintendo

HDMI port damage
Power issues
Board failure
Online bans
User modding
Resale units

TVs

Smart TVs, OLED, LED, QLED

Internal hardware failure
Power supply failure
HDMI/port failures
Cracked/broken screens
Streaming service issues
Software/app bugs

🔒 Advanced Device Security

Our protection goes beyond physical damage. We secure your device investment with comprehensive coverage that includes data protection, security features, and full purchase value guarantee for complete peace of mind.

Comprehensive Protection

Complete coverage for all device scenarios and incidents

Secure Processing

Advanced encryption and secure claim handling

Value Guarantee

Full purchase value protection without depreciation

Cyber ​​Security Technology, Businessman Using Digital Tablet With Padlock, Data Encryption And Personal Data Protection On Secure Internet Network, Network Security With Cloud Computing.

🔍 Section 4: Real Claim Scenarios – Approved or Denied?

Learn from real-world examples to understand how claims are evaluated

✅ Approved Example

Scenario:

A student's $899 laptop stops working after 18 months due to motherboard failure from normal wear.

Outcome:

Claim approved. Reimbursed $899 within 3 days via ACH.

Why approved: Internal hardware failure from normal wear and tear, device purchased within coverage period, valid receipt provided.

❌ Denied Example

Scenario:

A user reports their tablet as stolen from a hotel room with no damage or incident report.

Outcome:

Denied — loss and theft are not covered by ProtectSmart.

Why denied: Theft and loss are explicitly excluded from coverage regardless of circumstances.

✅ Approved Example

Scenario:

A business registers 15 devices. One overheats and becomes non-functional within 14 months.

Outcome:

Approved — internal failure within covered term. Reimbursed full $1,199.

Why approved: Hardware failure during coverage period, business account in good standing, proper documentation.

❌ Denied Example

Scenario:

A customer submits a receipt for a $2,000 gaming PC purchased 6 months ago with altered purchase date.

Outcome:

Denied — fake or altered proof of purchase invalidates eligibility.

Why denied: Fraudulent documentation detected, device outside 72-hour registration window, account flagged for review.

📋 More Real-World Scenarios

Recently Approved Claims

Motherboard hardware failure
MacBook Pro - $1,899 reimbursed
Power surge damage
Gaming Desktop - $1,299 reimbursed
Touchscreen unresponsive
iPad Pro - $799 reimbursed
HDMI port failure
PlayStation 5 - $499 reimbursed

Recently Denied Claims

Laptop stolen from car
Theft not covered
Headphones lost at gym
Loss not covered
Scratched phone back
Cosmetic damage only
PC won't boot (virus)
Software issue

🧠 Section 5: Why Our Coverage Is Different

See how ProtectSmart compares to traditional warranties and insurance

ProtectSmart vs Traditional Options

Feature
ProtectSmart
Traditional Warranty
Insurance
Full Purchase Value Reimbursement
(depreciated or repair only)
(deductible-based)
Hardware Failures Coverage
Full purchase value
Repair or replace only
Covers Hardware Failures
(with limits)
Easy Online Claim Filing
Payout Speed (3–5 Days)
1–4 weeks
Weeks to months
Choose How You're Paid
(ACH, Visa, Cash App)
No Depreciation

Full Value Promise

Get 100% of your purchase price back, not a depreciated amount. Your device's value doesn't decrease with time in our eyes.

Lightning Fast

3-5 day average payout vs weeks or months with traditional options. Get your money when you need it most.

Modern Experience

File claims online, track status in real-time, and get paid via your preferred method. No phone calls or paperwork.

🌟 Why Choose ProtectSmart?

Unlike traditional insurance that depreciates your device value over time, ProtectSmart guarantees the full purchase price you originally paid. Our modern approach to device protection puts you first.

No Depreciation

Your device value stays the same from day one

Fast Claims

Quick processing and immediate payouts

Customer First

Designed with your needs and satisfaction in mind

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📎 Section 6: Downloadable Coverage Matrix (PDF)

Take our comprehensive coverage guide with you for offline reference

📄 Full Coverage Matrix PDF

Complete reference guide including:

Device Categories

Complete breakdown by device type with specific coverage details

Eligible vs. Ineligible Events

Clear visual distinction between covered and excluded scenarios

Visual Examples

Photos and diagrams showing common claim situations

Quick Reference Checklist

Perfect for onboarding new users or team members

Free download • No email required • 2.4 MB PDF

📢 Section 7: Final Notes + CTA

Your tech deserves smarter protection.

At ProtectSmart, we believe in transparency and simplicity. That's why we pay you back at full value, make claims painless, and cut out the fine print.

$2.8M+
Paid Out to Customers
4.9/5
Customer Satisfaction
72 hrs
Maximum Registration Window

Still have questions?

📞 Contact Support

Speak with our protection experts

📘 FAQ Page

Common questions answered

💬 Live Chat

Instant answers to your questions

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