I dont really ever purchase additional protection for devices or stuff at home, except for major kitchen appliances. I didnt purchase protection for my Droid Bionic. I am pretty good/safe with my stuff. I've dropped the Bionic but the case has protected it nicely. That is until I accidentally took it for a swim with me. Bye Bye Bionic. So to keep my unlimited VzW data, I am going to purchase N3 at full retail price like many of you. Its cheaper in the long run, over the add monthly cost to move to a Share everything plan. So after dropping $736 on the phone. What your guys views on the protection options available. (FYI I called my State farm agent, State Farm no longer allows/offers cell phone coverage/protection). Total Equipment Coverage $8 p/month (loss, theft, damage, you name it) Asurion $5.18 p/month (loss, theft, damage) Extended Warranty $3 p/month (replacement for equipment issues) Figuring that I will have the phone for at least two years. is it worth the $120-$200ish to protect it? Most secondary insurance is really just a money grab. But paying full price. Dang... its giving me pause... views? Comments?