Warranty: Best Buy Vs Sprint

[teamvarsity87]

I recently purchased my Touch pro through best buy and they offered me two warranty plans. The first is the one through sprint which i am sure most of you are aware of and the second is through best buy. The main difference is the one through best buy cost around $9-10 a month and does not cover lost/stolen phones. It does however cover everything else and you do not have a copay. I am thinking the sprint plan is better considering it covers lost/stolen phones and there it only a $50 dollar copay and a few dollars cheaper per month but what do you guys think. Any input would be appreciated