jreed2560
Android Expert
After a year it's 50 bucks. At least, that is what I have had to pay in the past.
In instances with the Verizon insurance, they do give you a new one right there, but it's refurbrished (which sucks if it's a manufactuers fault, and you have had the phone for only a few months), and it can have physical problems. When I did this for my original Droid, there were a few keys that were peeling up on it. =/
I have a higher chance of breaking my phone than anything. I usually have good luck with phones, but my only concern is dropping it and it ceasing to function.
but if you send your phone back to get it repaired aren't they refurbishing it? and with verizon it usually doesn't matter as far as wear goes, but the phone can show no signs of abuse. And insurance isn't required for warranty swaps, its free. you don't have to pay for it. And if you do have insurance you can extend the warranty for 2 years (cost a little more than standard insurance)