On my voyager, I have the extended warranty and insurance through Verizon's Asurion insurance. I think its $1.99 for the extended warrenty and $6.00 for the Asurion Insurance for lost, stolen, damage coverage for a total of $7.99/month. I checked with my insurance agent, in my case, State Farm, and "Personal Article" coverage, that covers lost, stolen, damage, even by stupidity costs $25/year. So, this time, when I get the droid, I plan to get the extended warrenty for $1.99/month, and the lost/stolen/stupidity insurance through State Farm for $25/Year. Any other thoughts??