Originally Posted by OcalaFlGuy
IMO, one does have to pay attention to the nitty gritty of the insurance situation for Your Particular phone.
My DX had been out quite awhile when I got it, I didn't get insurance for it. After a year I did break the screen but got another DX like new for $100. It's now almost 2 years since I got the phone and at $100 spent over that time and having 2 DXs that work, I'm ahead of the insurance game.
I DO think it's Completely Insane for example, to have insurance on the Motion. Why? You can get a brand new, not refurb phone for 2x just one year's insurance coverage. (To me, that's a not often mentioned Benefit of the Motion, you save about $70 a year insurance owning one. Or, you Should Save that anyway...)
OTOH, for a $500+ phone to me it's a Duh, no brainer to carry insurance at least for the first 2 years you own the phone.
Bruce in Ocala, FL
If you were to wait a few days after launch, when other retailers finally get it, you could buy it from best buy and get their insurance. It is $10/month buy that covers any kind of damage and you pay no deductible. I have two lines, one is metro(personal), and the other is Sprint(business). I plan on buying my next phone through beat buy. (Galaxy note 2) as for the s3, you shouldn't need to much protection, it's a tough phone though it may not feel like it. A gel case would be more then sufficient