take a look at these:
http://www.antidroidtheft.com/
http://android.theftaware.com/
and my favorite:
http://techpp.com/2010/01/20/track-r...ia-wavesecure/
and as the others have already stated in this thread insurance is there for this reason, with any insurance claim you have a deductible that has to be payed and $100 is the deductible for that. i dont see how it is sprint fault that your phone got stolen, you have to remember they are a company that is out to make money like the rest of them and they offer this insurance to you through asurion to give you the consumer extra coverage and to help you from having to pay 500 bucks for a new phone in an instance like this compared to to the 100 through asurion.
hope the links help you for future reference...