in my opinion... NO it aint worth it. (for most individuals)
lets say... you go 5 yrs...
and only need it once!
$7 x 12months x 5 yrs = $420
plus $100 deductible
total =$540
also what if you needed your insurance close to the end of your contract? say on the 23rd month, you lost your phone? Will you pay $100 for a replacement Hero? or wait and pay $180 for the next great phone??
what if you need the insurance after the 2 yr contract is up??
Most don't have issues with loosing or breaking their phone often! so it aint worth it...
but some people.. seam to have bad luck with phones and accidents... are u one of those people???
THEN INSURANCE WAS DESIGNED FOR U IN MIND!
PS.. i think i just jinxed myself!!!