I was just made aware of a better insurance plan. I have Statefarm insurance for home and auto. I can cover my phone or any other item with a documentable value of 400.00 or more for 30.00 a year. No deductable and no limit on the number of claims. It must be paid in advance and renewed each year. If you file a claim they give you a check for the FULL RETAIL AMOUNT of the covered device to purchase a NEW phone, not refurb. I am no math genius but you figure Asurions monthly price and deductible plus getting a refurbished phone, not such a great deal. The only thing is if they suspect fraud such as you deliberately breaking your phone they could possibly deny a claim after an investigation. My agent said so far they have never denied a claim. I got my policy on my Droid X. Maybe you should check with your insurance provider to see what their policy is.