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there are two types of insurance, TEP (total equipment protection) and ESRB (idk what that stands for - google it).
one plan is for repairs with the exception of water damage. the cost to repair the phone is small to none.
the other one is for water damage, lost or stolen phones. this will cost you $50 to get another phone.
you can get just the plan for lost phones and ditch your phone (or sell it as a pda only or cricket phone) if it gets damaged, but that is risky and could be more expensive than paying for the plan that fixes the phones for cheap.
you can get just the plan to fix the phone, but what if you end up losing the phone or it gets stolen?
having both costs $7 a month.
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