[lallen3]

^ I say ditch the insurance based on how you are with your phone. If you're forgetful (lost phone) or very hard on phones, by all means- get the insurance. But as for me, I haven't had a claim since 2003, and for a couple of years I was paying for basically nothing except peace of mind. I upgrade phones once a year anyway and cannot justify the extra costs of insurance. The very few failures I've had (TP1 comes to mind) were covered by the 1 year warranty.