You get it from Best Buy means you get their crappy insurance plan. No thanks. Sprint insurance beats out Best Buy customer satisfaction wise 10 times over.
Seriously? If something happens to your phone with Sprint's insurance, you have to pay $125! Guess what you pay for the same thing with Best Buy's insurance plan? Zero. That right there makes it worth it, plus you can get on Sprints buy back plan. They will give you $225 for the phone a year from now, Sprint wont give you anything close. They offered me $100 for my Evo