Insurance on a $180 budget phone??? Ehh... Idk unless you live the kind of lifestyle that would need the insurance for your phone. Just be careful with it. On a random note, we just had a huge rainstorm here in Utah, and I used the phone outside to film me and my friends going down hills in trash bags ( a blast by the way) and it got rained on pretty hard. Was a little wonky, but I threw it in some rice and here I am typing on it. Its a tough phone, that's for sure and my personal preference would be no insurance. Good luck brotha
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