I must admit that I not only go with a case and screen protector but I am also big on insuring my device. To me its more of a matter of "just in case". Yes I could go 2 years paying into the system and never need it but who knows. I also heard some valid arguments against the need given we can buy all sorts of cases and screen protectors; that and the fact some companies will send you a refurb so what is the point. I dont know just I rather have it and not need it, than need it and not have it. I want to hear your good/bad stories about insurance. Did it help you, was it worthless, who provides the best insurance for the buck, etc. With the price of phones going up and the fact we each owned several high end smart phones over the years, I am sure we can learn from each others' experiences.