you really only need to consider 1 thing to have your answer........ Would you expect to have a problem covered under insurance oh lets say in the next 6 months........... For instance if you lose it tomorrow its probably a good deal........ If you lose it in october its a horrible deal..... And heres why
$30 upfront and $50 deductible = $80 ...... Thats the cost to you if you have a claim............ 6 months from now what do you think you could buy the same phone brand new for????