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Insurance on a car or home is different. That is to protect you from a really hard hit financially. If you can afford to replace the phone, it's cheaper to self insure it in the long run.

I agree if you are really forgetful or always droping it then get it. I'm really pretty easy on my phones. They look like new a year later. I've never come close to lossing a phone and phones are not stolen all that much because they can be traced. Especially CDMA phones.