I just called Verizon and Best Buy here in Hickory, NC and asked about their warranty.
Verizon- $7/month. If you lose it, bash it, smash it, run over it with a tank or your ex-girlfriend steals it you can file a claim online or on the phone, pay a $100 deductible and have a replacement phone shipped to you overnight (on a weekday). You don't need to return it or go to a Verizon store. Over a two year period with the deductible that comes to $268. For $10/month you get the same plan plus antivirus and some kind of technical support. Don't need that with Android Central online.