I had bb insurance for my droid 1, black screen of death after dropping it. It took ~2 weeks to get the phone back, and although the screen worked, the rest of the phone was in a lot worse condition than when I gave it to them. The slider was loose, pieces falling off, etc. It sounds good on paper ($10/month, no deductible), but be careful. One other thing, you get a loaner but it probably won't be a smartphone. I was offered a HTC ozone which from what i've read from other experiences is much nicer than the typical offering (dumb phone). It most definitely won't be the same model as your phone. I'm going with verizon/asurion this time, mainly due to turnaround time. ~2 weeks is a long time to be without a smartphone!