It has been just 8 days for my phone so far. All is good, I am probably inclining to keep it... I am wondering if it is worthwhile to purchase any insurance coverage for the phone. Sprint offers TEP program wherein I need to pay $8 per month. If something happens, I will need to shell out a $100 deductible over the phone replacement. I was checking squaretrade.com. They are offering a warranty for $124 which states the following: Coverage Details 2 years of coverage: The SquareTrade Smartphone warranty covers your Smartphone for up to 2 years, starting on the date of purchase. Covered Issues: Both accidents (e.g., broken screen or other damage through drops AND liquid damage including full immersion) and out-of-warranty normal use failures (e.g., battery no longer charging or other hardware failures) are covered. We do not cover loss, theft, willful damage or damage occurring through gross misuse. Deductible: There is a $50 deductible when claiming on an accident (e.g., drops, spills). There is no deductible for a normal use failure (e.g., power issue). -------------- Does any one have any experience using either of the warranties? Is it really worth spending money? Please share your thoughts.