Originally Posted by lilkhmerkid4u
Never had, was thinking about it. I've never lost a phone or anything like that before
I've had BestBuy black tie insurance and it's been pretty decent for instances when my phone stopped working. (This was 2 years ago, but I'll tell you how Best Buy handled my insurance.)
My Epic 4G stopped working so I went to the BestBuyMobile store. They took my phone, and replaced it with a refurb for free (took 2 days for them to order a refurb.) BestBuy's insurance is $10/month but there's no deductible. So even if you smash the screen by running over it with a semi-truck, they'll still replace it for free.
The other insurance that I currently have is Radioshack insurance. They've been pretty awesome for me. Shortly after I got my Galaxy s3, I had a water incident (bottom half of the device completely submerged in water). The battery started dying very quickly so I asked Radioshack if they could send me a new battery. I even told them I got it wet and they didn't have any spare batteries at the time because of how new the s3 was, so they wrote me an $80 check to buy myself a new battery.) Shortly after, I realized the device also needed to be replaced so I had filed another claim and they replaced my phone with a NEW one! Included another battery, too! Only part was it cost me $100 deductible. Still, very impressed with Radioshack insurance. I pay $7 a month for it.
~Bear in mind, neither of these insurance packages protect against lost or stolen.