[Munkee915]

i got the BB insurance but kept the sprint replacement program. BB will cover more than basic mfg and sprint insurance does. and if the phone gets "junked out" they give you the equivalent of the retail price on the phone, not just what you paid w/ your rebate. they also cover accidental damage w/o a deductable. the only thing it doesnt cover is loss/theft/total water immersion, which is why i kept the sprint replacement program.

plus as a BB employee i get a discount. and i can tell you that if your cool but firm w/ the person handling your claim in the store, they will often replace the phone w/ a new one out of the box, instead of a refurb like a service center, or using a loaner while they send it to service.