[Rufus]

T.E.P. is a must. I have been in at least 3 situations where I wished that I had it. Regular insurance is good as long as you get a good tech to take a look at it. Some techs can be @$$3$ though.

The slightest bit of sweat or maybe you took your phone into the bathroom with you when you were taking a shower, and they will enter into your account that you had water damage.

I had some idiot tech do this to me, then I took it to another store where the techs actually cared about their customer and they were able to repair it with no problem.

Anyway, I would not have had to worry about where to take it if I had T.E.P. on my phone, since that plan covers water-damage.

But to answer your question, some kind of insurance is a MUST with this phone... Too much can go wrong.