I have always kept insurance on all of my phones. A few days ago the car my daughter drives exploded and burnt to the ground. Thankfully she was ok, but the car and contents which included her phone is gone.
I submitted an Asurion claim for the loss. They approved, but were out of her phone (Ally) and offered a Devour. I wanted to check specs before I agreed. In the mean time I checked Best Buy. The Ally is now free. They have a few more free Android options including D1 and (Friday) the Incredible. She likes the physical keyboard so I got her another Ally at Best Buy free. An Asurion replacement would cost $50.
Why pay a monthly fee to pay another $50 for a replacement when you can have several free choices at Best Buy?