Hey guys, I am wondering if it is worth it to get Verizon's Total Equipment Coverage for $7.99/month? If I DON'T get it and my phone has a problem with it (i.e: a key isn't working, screen won't lit, etc), am I screwed? If I do get it and I want to replace it cause of some faulty issue, will I get a brand new one, not refurb? Any information would be greatly appreciated! Thanks!