Nope, never get insurance on my phones. I am careful with my phones, and if I do break it I look at it as an excuse to upgrade
I do however have insurance for my 10 yr old daughter's phone. You just never know about lost or broken phones with kids even though so far in the last 4 years she has taken very good care of her smart phones and I haven't had to replace one.
"Is life so dear, or peace so sweet, as to be purchased at the price of chains and slavery? Forbid it, Almighty God! I know not what course others may take; but as for me, give me liberty or give me death!"
-Patrick Henry, March 23, 1775