"Mahlon Wagner" <mwagner2@twcny.rr.com> wrote
> If I may continue this theme for a moment:
>
> In reading the various good discussions I realized that I had perhaps
> unwisely turned down the insurance when I signed up with Verizon and got
> 2 phones last week. So I quickly called the corporate store and found
> I could still add the insurance and so I did.
>
> Thanks again to all who discussed this most intelligently. Perhaps I
> have saved myself some headaches down the road.
> Mahl
Insurance is not always a good value. Depends on your
financial situation, equipment (since the insurance cost is
not porportional to the cost of your equipment), and the
probability you will need it.
I have never made a claim on insurance. My wife
made one when she lost her phone. I have never damaged
any phone I've owned (knock on wood). My wife
tosses her's in the center console in the car, etc.
She always demands one of the top-o-line phones
whenever I upgrade.
I've upgraded once or twice and have always had
a very usable phone for backup. My daughter is
given the very cheapest phone available and if lost or
broken *may* be replaced with something very
inexpensive (used).
I have always had insurance on my wife's phone. I never
had insurance (until recently) on my phone or my daughter's.
This was the most cost effective (probability-wise) approach
for me.
Recently (about a year ago) I got a Kyocera 7135. $600-$700
retail price. I've insured that. Same cost as insuring a $200-$300
phone. Better deal and there is the (almost) instant replacement
which is important to me since I use the
PDA portion heavily.
YMMV,
-Quick