Default Phone insurance -- what did you choose?

I just ordered my HTC One for $49.99 on Verizon. Now, I have terrible luck with phones. Asurion essentially kicked me off my last plan for getting too many replacements, so this time I am going to look for an alternative before going with them again.

I've heard a lot of talk about SquareTrade. Did anyone go with them for their phone? Also, how much did you pay? Currently it says I would pay $125 or $7.99 a month, which is somewhat upsetting because Galaxy and Iphone owners get lower rates.

If you didn't go with SquareTrade, what did you go with and why? I'm interested in hearing! Happy new year guys.