So how many has insurance?
Absolutely. It's worth every penny in the event that it gets broken. They cover just about everything.
I've never had insurance for a cell phone. I've never broken a cell phone. I have dropped a cell phone once. And even that was only partially my fault.
I realize it only takes one problem to kill your phone, but I take much better care of my phones than probably 99% of the people on this forum. The stories I read about people being so careless with their devices make me want to cringe. So many dropped Droids... Here's hoping some of you never have children. x_x
I take care of my devices 100% as well, but that didn't prevent a random drunk person from pushing me into a pool with my LG enV3 and my Cadillac CTS-V key fob in my pockets.