I've always been pretty skeptical when it comes to insurance for your phone but I went ahead and got it for my Sprint BlackBerry 8703e. This is the FIRST time I purchased insurance for a cell phone since I started using them over 8 years ago. I'm very cautious with all of my high tech gadgets, mostly because I sell them after about a year or so to upgrade to the newest model. It all depends, with the full coverage, you get a replacement phone, most likely refurbished if you're already outside of the manufacturer's warranty.....if you're one of those who fumble things or are normally careless then go for it. With the Sprint plan, it comes out to $72.00 per year plus $50.00 for the replacement, so that comes out to about $122.00 for a new/refurbed phone versus paying full price for a brand new one.