All of this is why we went to Square Trade for my SG3. Found a 30% coupon and have 2 years of coverage for about $100 with tax. I have a spare Photon so if for some reason I needed a backup, I have it, so if the phone can't be fixed locally or is a complete loss, I get the $$ to buy a new one at retail.
I've posted this a few times on the forums...I'm not a SquareTrade employee and have not yet made a claim with them but I'm already very happy with them and here's why -
My daughter wanted an 4s iPhone. Found a 32GB in great shape at a good price for her on Craigslist. Learned about SquareTrade's iPhone app - bought the insurance through the app, same discount/coupon deal as above, about $100 with tax for 2 years of insurance. (That includes accident insurance but not theft...check out the web site.)
After purchasing the insurance we received email notice that they wanted us to scax/fax/email her retail receipt. I called Square Trade and explained that we bought the phone from a private party and did not have a receipt. The CS rep advised that they didn't usually insure phones purchased that way, so they would probably have to just give us a refund. Fair enough. The rep put me on hold for a moment and explained the situation to her manager...came back and told me they were going to 1. refund the money and 2. allow me to keep the insurance coverage as a courtesy. I thought she was kidding, but she wasn't. The debit transaction from the purchase was reversed the same day. So my daughter's iPhone is covered...and it was completely free of cost to us. I wasn't looking for free coverage at all, but dang!
Just to double check, I called them back later and inquired on the status of her coverage. The rep who helped me on the second call looked up coverage, verified it, and read the notes made by the manager to confirm that we had coverage on the iPhone and there was zero premium or paperwork due.
I was so happy with the customer service that I decided to use ST for my SG3.
Just another option...
Palm Pilot-> Palm Pilot 1MG upgrade-> Palm IIIx-> Visor Deluxe-> Visor Prism-> Clie N610c-> Verizon Kyocera 7135-> Verizon Treo 600-> Sprint Treo 650-> Sprint Treo 700p -> Sprint Touch -> Sprint Diamond-> Sprint Hero ->Sprint EVO->Sprint Photon->Sprint Samsung Galaxy S3->
moving to T-Mobile Samsung Galaxy S4