Hi all - I'm a long-time lurker, new poster because I've finally come across a question that wasn't already answered (at least that I could find). These boards are incredibly helpful - thanks, guys! I've had my Eris since December and chose not to buy insurance when I first got it because I've never had any trouble at all with my previous phones. However, I'm now regretting that decision since I seem to be way harder on my first smart phone than on traditional cell phones. My phone has gone flying a few times since I purchased it and while it's a testament to the phone that it's still in great working condition, I'm envisioning the next 18 months and am a little worried. I'd really rather not have to pay full price for a new phone or get a new contract if/when my beloved Eris does kick the can. So my question to the boards is this: Is it possible to purchase insurance from Verizon, Asurion, etc. after the 30-day grace period? I don't have homeowner's insurance, so that option is out. I called Verizon to ask and was told no, but the woman who helped me also very confidently assured me that if I would just turn off my phone and turn it back on, I would have Android 2.1 on it (no really, she did), so I'd really rather get a second opinion. Sorry if this question has been answered elsewhere, but I searched multiple times and couldn't find a relevant response. Anyone got any ideas whether about ways to get insurance after the grace period, or other cheap ways to replace my phone? Trying to be proactive here. Thanks!