I have insurance on my Droid 1. My question is if I need a warranty replacement, lets say 1 year off. Does VZW give me a phone of equal value to what I spent or what the Droid 1 would be worth at that time. My fear is once the Droid 1's are fully exhausted then VZW will try to screw me over and not even give me a "comparable" device. Only give me say $10 for the Droid 1 as that's what's it might be worth at that time. I'm not looking to scam anyone. I just don't want to get screwed over.