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To Insure or not to Insure????

It depends on 2 things.

1) How risk-averse are you? Do you check every millimeter of the bungee cord before you jump - with a microscope? Or do you just use a few thick rubber bands and hope for the best?

2) How are you with your devices? Do you give them a lot of usage, handle them roughly and have a lot of them fail? Or do you treat everything like a new toy, babying it and trying to not overuse it?

One other consideration, of course, is how bad, financially, it would be to you to have to pay for a new device in one shot? Although with the new phone plans you can pay for one over many months, so that might not apply.

No one can make these decisions for you.
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there are better insurance out there.. if you choose to look. 3rd party.

I just got a NOTE3 for AT&T from Costco...
they sold me a 3rd party insurance..
cost $100 (2 yrs coverage)... NO month fee... $25 deductible (as long as I still have the phone to send them).
so lost or stolen is not covered!

but as of last week.. the deductible has gone up to $50 for new contracts.
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I realize this thread is about insurance but i would like to point out that Verizon's Total Equipment Coverage (TEC) includes insurance and their extended warranty.

I've used the extended warranty several times in the past when a device just starts giving me issues. They'll replace it at no cost under the extended warranty portion.
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I respect that opinion, but to me phones are a complete luxury. Though I realy like verzion they seem very expensive to me when you shop? When it cost me more to insure a phone than my house or car thats crazy? And then they have the attitude tnat the service they provide is worth tne extra cost? Again this is just my opinion. I feel all cell service is crazy overpriced!!!. They protray that any retired person needs to be on Cricket,,,,, Duh? I am under a contract which I will complete. But $50.00 fot 1 gig of service? I'm buying his next Pourche....lol.
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I just bought my first phone outright, an unlocked Moto G and loving it. I just dropped Vzw and now using Tmobile, $30/mo for 100 mins. talk, unlimited text & data. Now I'll have an extra $50 p/m since dumping vzw. I'm using Google Voice and Talkatone to make up for the voice usage.

I thought about buying insurance for the Moto G, so far I've been lucking and nothing have happen to other phones but I may get some insurance for the new one. Still deciding.
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