Originally Posted by gdpmumin
Why not get the insurance available from your carrier?
Cingular's insurance providers don't cover "new/hot" phones. Among many other reasons, "hot" phones have a higher rate of "lost/stolen" claims than regular phones, and many of those "claims" wound up on Ebay as NIB auctions.
The same thing happened when the Razrs first came out. In another 6-12 months when the Pearl is no longer the latest and greatest, you'll be able to insure it.