Generally, IMHO, insurance on a phone isn't worth it. If you bust it up you are going to want the newer model anyway. The high deductibles just arent worth it. I'm with Lunkhead, I get tired of reading on here about how people are going to rip off their carrier because they dropped their BB or did something else to it that was totally their fault. Those are the dishonest people trying to save a buck but losing all their integrity in the process. And they lighten all of our wallets in the process (including their own-they just don't realize it!)