I have never needed the insurance with a phone...That is why I don't spend the money on it. And replacing these phones like once a year or two with a new one I can't say I will be doing it any time soon.
My son is happy now once again. I hope he has better luck with his third screen.
BTW, I have never really had any problems with the TP. Occasional stupid stuff...I had a chance to see a TP2 for the first time and I really liked it (especially the screen compared to the TP) except for the price. I think I will probably still wait for the EVO though. I need a bigger screen for my aging eyes.