Phone Insurance - check out www.Safeware.com
I just upgraded to 2-new Droid 2 Global phones with Verizon, and began checking out Insurance for the phones. I stumbled on a company in Ohio, Safeware, which seems to offer the best price, least deductible and immediate coverage. Also their coverage for everything seems SUPER. It's $165 for 2 years (you can buy it for 1 year too), with a $50 deductible for as many times as you break/lose the phone. Coverage began immediately. Check them out at www.safeware.com or 800-800-1492.