[Da Uniq 1]

Everyone has made great points on the pros cons of insurance. I think the main thing to look at if you’re not a techie or have cash to spend/bid on phones like on ebay or take chances getting someone else used car so to speak, is do you lose, break your phone often? If so, I suggest Sprint or Best Buy’s insurance for you.

Both have pros and cons too.

Sprint has $100 deductible to replace phone and covers theft, loss and water damage.
If I’m not mistaken, Bestbuy’s plan doesn’t replace theft, loss and water damage but if you have a problem with phone, they swap out at no issue and or give you loaner phone until yours is fixed/replaced.

Pick your own battle. Hope that helps.