Because almost every "insurance" policy for phones is a laughable scam that favor the insurer. Calculate the total cost of most insurance plans over the life of the phone, add in the deductible on most plans, and compare to the cost of the device. Congratulations, you bought it twice. Alternatively, if you like, compare the cost of the insurance for a phone to that for legitimate big ticket items and note the variance between cost and replacement value. Again, the numbers do not add up in the user's favor. It is also the rare person who ever needs to cash in to replace the device and the even more rare person who breaks the phone the week they bought it. Sorry but most consumer electronic insurance plans remain just as much of a scam as they ever were in the past. Of course throw in the fact that many home owner or rental policies will also cover replacement costs, as will some credit cards, and standing advice from consumer organizations to avoid such policies remain unchallenged....