reviving an old thread...I got the insurance from Asurion as peace of mind. People are saying is not worth it but the whole point of insurance is for "just in case" and accidents don't happen for fun no matter how careful you might be, the whole reason insurance companies even exist!
Anyways Asurion charges a flat monthly fee of $11.99 with $199.00 deductible for the iphone 4. Do the math, assuming the your tied in the 2 yrs service with your carrier and you'll keep your iphone till your contract is up, 2 yrs = $287.76 and let'sa say you loose/break/stolen it twice within the 2 yrs, that's $398.00, total cost of 2 replacement iphones plus your monthly fees added up = $685.76
That's about the same price you would pay retail at Apple for just 1 iphone. Even more if you have the 32GB (same dect. for 16 or 32 GB)
The maximum claim is twice per year and your are one of those who just doesn't have any luck.
With ASURION:
2 yrs = $287.76
4 claims = $796.00
Total = $1,083.76
W/O ASURION: (*if you lose it 4 times)
4 x iphones 4 16GB = $2,400 + tax
4 x iphones 4 32GB = too much $$$
So no matter what its worth it...i like to take care of my products very well but I also hate babying something that was meant to be used..well used like a portable phone!
This is just my personal opinion...