[tcbusch]

I don't have insurance. I've been on sprint for over 12 years now. My first couple of phones were Nokia's. My first smart phone was a i500, then a Apache, a Touch, a Touch Pro, and now a Touch Pro 2. None of them ever broke. I always keep my retired phones in a safe place, thats my insurance. You can also find good used ones on ebay. If I would have paid the $7 a month, I think its that much, I would have been out $84 per year or $1008. Right now I have $1008 cash in my pocket that I wouldn't otherwise have had.

BTW, I never by the extended service plans on anything either.

I just thought I would throw in my opinion on insurance.