1st off I'm going to say that I work at a Sprint store and I do pay for the insurance on my TP2. Yes it is a $100 deductible to Asurion because of the type of phone you have. Just to let you know that most people dont know and what we dont really bring up is you have a 1 year warranty that we will cover through a repair center long as there is not water damage, physcial damage (scratches are ok), or lost or stolen, which we just started in April. Which by the way is the only reason you would have to spend the $100 deductible if one of these situations happened. Hope I helped.