At Best Buy this morning the rep tried to talk me into BB's insurance over Sprint's offering. BB is more expensive 10 dollars vs 7. But there is no deductible and she made it sound like you can file a claim as much as you want. (Unlikely) Problem is they don't protect again lost or theft. Now I'm really not concerned with someone stealing my phone but everyone knows when I get a few drinks in me, I lose things! Sprint's insurance didn't seem to be as hassle free, plus you have the 100 deductible. (Not a huge deal to me.) So lets get away from the sales pitch and get down to some honest opinions. What do you guys think, experience with one or the other, pros and cons?