I have Insurance on my phone so if anything was to happen to it while under contract the phone can be replaced. This company gives you such an unbelievable amount of run around to have a claim filed and have the phone replaced it will blow your patience out of the water and frustrate you to beyond the end of our round planet. I pay $8 per month to have coverage and then have to pay a deductible if and when they decide to honor your claim. I have wasted hours and ink cartridges sending the required information over 9 times to a fax line. They have no email and a run around of a phone system to contact a customer service rep. Buyer beware! read full review »