When I signed up with Cingular (now ATT) in 2005, I paid for phone insurance through ASSURION for years. I lost my (then) very expensive Motorola (first cell with a camera) and got some cheaps*** REFURBISHED Samsung which never worked correctly. Did this twice, and then dropped ASSURION. Total waste of money! Never again! If you buy insurance through your provider, you will most likely get a refurbished replacement...and not the brand/quality you originally paid for. These days, I use the $50.00 cheapie with camera, because that's all I need. No texting, no music, no internet, no e-mail, no garish bill. Don't need that stuff. $44.00/month works for me!