Just to give you an idea, i had 2 of these G4, one for my wife and one for me. Mine i had 2 refurbish and was going to get my 3rd one thru Best Buy, and on my wife's i had 3 refurbish and it was going to be scrapped, and that was in a month. The best advice i can give you is make sure that the phone you get is 100% perfect and what you want, you will only have a 1 month warranty on the "new" phone. I was sent 2 of them (one for me and one for my wife) that when i opened the box it smelled like burnt electronics so make sure they are perfect. Along with that, and to the mods I am not telling them how to "beat the system or defraud the insurance company", remember that after 3 returns they scrap the phone and give you a gift card for the amount the phone is worth when you bought it. That worx good unless you have a lease for sprint then you are screwed since you have to "turn in a working G4" at the end of the lease. The problem becomes since you cant get one anymore you cant turn in a working one. I went thru Account services (Retentions) and they let me buy out my lease for $50 a line instead of being screwed with having to finish the lease at $16 per month per line and then paying $200 per line for not turning in a "working" G4. Just my suggestions, take it for what it is worth.