So I have been on Verizon for 15 years never got insurance. So I got it for my daughter razor and my thunderbolt. My bolt dropped and cracked lowest I seen was 150. Taking a chance, bad esn or worse. Went on line to asurion at midnight paid 99 bucks got it overnight. It was the best thing ever, was well worth it. If the phone is a dud you tell them they send another. What's your story. Good or bad.