So my 30 days are fast approaching, and I was wondering what people thought about carrying the insurrance offered through verizon on their account? I had the 7.99 insurrance on my EnVTouch, and never used it once. Seems like a huge waste to me, but then again, that wasn't a smartphone. So who has this insurrance, and who doesn't? What is the rationale behind either being for, or against it? THANKS!