Why in the world would you NOT get insurance?
Cause I am cheap like that.. and I do not have a habit of breaking phones.. literally had my last one for 3 years and the one before.. for... 2.. only upgraded to get a newer model..Plus..
I did the math based upon the money I save.. I could make the cost of the phone in a much shorter time... and.. if it did get lost after 1 year or.... 7 months.. compared to the rate I used to pay with sprint then I can use that money for a new phone.. or upgrade again... or soak up all the profit..