Sounds like you need to get a body glove or some other hardcase shell!
Just wanted to say, Verizon told me it was 6 bux a month to insure my phone. which is $72/year.
Through my state farm insurance i was able to insure my droid, my laptop, and my DSLR camera for $30/year for full replacement value with zero deductable.
in other words. Don't get verizon insurance, get it through whoever does your homeowners/renters insurance. It will save you money
Kungfugeek: Does the Farm Insurance cover accidental, theft, and water damage like the Total Equipment Coverage? Also, does the price quote that your quoting have anything to do with your age or how long ago you signed up for insurance?