Well, I decided I had better add insurance to the Droid (considering what happened to my wifes phone last week). She has insurance on her centro, but at this point I don't think it's worth the $50 to replace the phone, so I just gave her my old one. So anyway, I called Verizon to see about removing insurance from my wifes phone and adding it to my phone. Unfortunately, I'm 10 days beyond my 30 day worry free period. The CS rep said she would petition to have insurance added, and IF they allow it, it would not be through Asurion, but instead I would have to go through a Verizon store or call Verizon for my replacement. If I'm not mistaken, this pretty much ensures that I will get a brand new phone instead of a refurb if I go into the store for replacement right? Do they stock refurbs at the stores? She also gave my the option of $6.99/mo for insurance only or $8.99/mo insurance + factory extended warranty. Apparently, the insurance does not cover manufacturer defects, so if it stops working after one year without any physical or water damage, insurance will not replace it. I thought this was a bit odd for obvious reasons. Anyway, I'll know by this afternoon if they allow me to add the insurance.