Total Equipment Coverage combines the benefits of Asurion's Wireless Protection Plan for lost, stolen, and damaged devices, and Verizon Wireless' Extended Warranty for mechanical or electrical defects after the manufacturer's warranty expires.

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"Whilst we are significantly expanding our network, we accept the fact that no mobile operator can have total blanket coverage, which is why we have this policy in place, " said a 3 spokesman.

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The percentage of total cost of coverage paid by premiums varies from a low of 26% in New Mexico to 106% in West Virginia, with the bulk of states clustered in the 50-75% range.

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