Nexus Protect/Case/Bumper/Screen Protector are all good options. Think about how much money you are willing to spend. The Nexus Protect is cheap compared to carrier insurance. If you dump the phone before the two years is up, you can cancel the policy and get a little money back. If you don't go for insurance, then ask yourself what you will do if you shatter the phone in six months. Are you comfortable repairing the phone or buying a replacement? Are you keeping your old phone as a fall back if your new phone fails? As long as you have plan, don't worry about it too much.