Quote:
Originally Posted by chong67
I am not going to say it will never happen to me. Its just that is very unlikely that I will lose my phone. At work I have to careful not to leave it at the desk.
It is very unlikely that I will drop it in water unless I am fisherman or an angler. Now, condensation is a different problem.
So I am not a good candidate for phone insurance.
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I fish, camp, and soon hope to get into hunting. Not to mention work can be pretty rough. Risk to losing or damaging my phone is pretty great. To be honest, I am not even sure how I have managed to not max out my insurance...guess I have just been lucky so far.
Personally, if I were more responsible and could trust myself to...I would probably not pay my insurance premium to Sprint and instead pay it into my savings account so that when i needed it it was there. Per phone that is about $200 a year which is about the difference you pay for on/off contract etc.
Honestly, if you can afford to pay out of pocket to replace/repair your phone and you do not expect it to be lost/stolen/damaged then I wouldn't worry about the insurance. Like I said chances are over your lifetime you'll pay more in insurance than they will pay out lol.
However, also keep in mind that no one EXPECTS their phone to be lost/stolen/damaged/etc and you don't have to be a fisherman/angler to drop your phone into water. I wonder how many people have lost their phone in the toilet or a glass of water/other beverage.
Really...I'm just playing Devil's Advocate here. In the end you will do what you think is best. And the way the universe works you will do things one way and find that you should have done them the other lol...