This is a poll of sorts to find out what the general feeling is about insurance. I had never carried insurance until my last phone but since it was a smart phone I decided to carry it for a few months. Then I forgot to cancel it and when I upgraded to my Droid my insurance was upgraded. Along with the upgrade came a price increase and an increase in the deductible. Now my insurance costs me $6 a month plus tax and the deductible is $89.95. I'm seriously considering canceling it. With the exception of one phone that I dropped into the dog's water bowl several years ago (and that phone recovered), I have never had the need for it. The current cost of the insurance plus the deductible means that in a year the cost of replacing my phone will be around $165 (factoring in some tax). By that time I'll probably be ready for another phone anyway. Any opinions?