My husband took out phone insurance when we got our Verizon phones. Took a glass bottom boat ride and my phone went into the river (don't ask!). Went to Verizon to replace it and insurance covered cost of current value. The catch was, we had to sign up for new plan for the phone and buy out balance of plan for old phone. So while it saved us money, I would advise to not drop it in river, toilet, etc.
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