I usually skip the extended warranty, my credit card covers me there. I chose insurance through Verizon for a couple of reasons:
1. Coverage limits much higher. If you are a klutz with your phone, assurion coverage is good for three full phone replacements. Most third party insurance is only good for one.
2. Covers loss and theft.
3. I usually don't carry insurance the full 2 years. After a while, the difference between buying a comparably specd phone off eBay or Craigslist or swappa, or repair parts to fix damage myself, and the deductible are no longer wide enough to justify insurance. So I cancel it when that happens and self insure from that point on. Usually happens Around the 1 year mark. The third party plans are all up front, so you don't have that option.
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