I just compared Ensquared and SquareTrade. Same price for two-year plan (US$99). What I've learned so far:
Ensquared has theft/loss protection whereas SquareTrade does not.
Each covers three claims per contract.
Ensquared accepts claims on the 31st day after the application has been accepted.
The SquareTrade agreement states: "Damage to computer hardware, software and data caused by, including, but not limited to, viruses, application programs, network drivers, source code, object code or proprietary data, or any support, configuration, installation or reinstallation of any software or data." So, does this mean if I hard brick the phone, I get no replacement? I guess that's fair, but then again, I plan to hack/mod (software) this phone, so this raises a red flag for me.
The Ensquared TOS states, "Error or omission in design, programming, system configuration, faulty construction, or any original defect in any Covered Product, or recall by the manufacturer." Same comment regarding hard bricking.
So I guess the question is, does hard bricking a phone a hardware or software issue, and will it be covered? For everything else hardware related, either of these two should work.
I'll research both and get a feel for what people out there are saying about both and make a decision. I'll post my findings here if y'all are okay with that.