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Are you talking about the insurance through Sprint (TEP/Assurion) which costs $7/month?
If you are, then it covers EVERYTHING with a $100 deductible for the EVO. It even covers lost phones. They are extremely fast in replacing the unit. The last time i used the insurance was when i had a Palm Pre and lost it. I went to the website, filled out a quick and simple form and about a day later my new/refurbished palm pre in mint condition had arrived. The $100 might sound a little steep but if you compare it to actually buying a new Evo it's well worth it...
Isn't the $100 deductible for a lost phone? If you damage the phone & claim warranty there is no deductible.
GET IT!!! Unless you got it at Best Buy, I heard their plan is good and it's only a one time fee of $40, correct me if I'm wrong there.
No it's $10 a month for Best Buy's insurance. The only good thing about it is there's no deductible. The bad news is it takes a week to maybe a month to get your phone fixed.

Isn't the $100 deductible for a lost phone? If you damage the phone & claim warranty there is no deductible.
Isn't the $100 deductible for a lost phone? If you damage the phone & claim warranty there is no deductible.