[marinemissez]

You don't have to re-up your contract, Sprint will NOT prorate your insurance charge, and it's actually 20 days after the date that you start your insurance that you can begin to make claims if necessary. (If they choose to deny coverage (which I don't see why they would), they have to notify you no later than 20 days from when you start it). You can only claim the phone that you have activated as well.