Originally Posted by
gsquared I personally self insure my devices as I take care of my stuff. If you are rough on your devices like so many others here are you would be wise to get the insurance.
I'm very careful and have hardly scratched a phone ever (first phone in 2004, plus prior PocketPC devices earlier). When I bought the 1020, Microsoft offered the $99 two year accidental plan, which also includes water damage. I figured since I really planned and wanted to keep this phone for a long time, that I would buy it. Sure enough, first screen I ever cracked when it slipped out of my pocket while sitting. Got it replaced with a brand new one that day for $50 (by going to a Microsoft store).
Very easy process, would recommend.