I'm sure you have a love/hate relationship with your phone, a problem here and there, a fix for it here and there, and at many times you kinda just accept it for what it is at the end... either that or you simply love it, its your prized possession, literally, since you carry it with you everyday. Either or, that doesn't change the fact that your phone is worth hundreds of dollars if bought w/o contract and how much you'd have to pay if you didn't have insurance to cover for theft, lost, or damage. What insurance are you currently using to protect your phone? From your Carrier or a 3rd party insurance company? If 3rd party, which one? Any reviews on it? I'm asking for those in the US. I am joining Sprint soon, possibly getting a Nexus S 4G,and is contemplating whether or not I want to pay $8 a month (starting July 2011 is $8 instead of 7) which will cover damage and stolen/lost However if I bought from Wirefly.com, its either $7 a month, or $70 for 12 months -Insurance company they use is called MDPA , or Device Protection Plan. I don't mind paying via Sprint if its less hassle to deal with, I'd hate it if another company makes me go around in circles, or undervalues my phone and gives me some crappy replacement. But just want your opinions on insurance and which one do you currently use? Thanks.