This has honestly been my most reliable android phone. I hold alot of respect for the iPhone for it's reliability and this is the android phone that has come the closest (thats a good thing, I haven't gone back). I dropped it a month after I got it on concrete, bounced on back and then on to screen, 2 microscopic scratches. I'm sold.
Also, I'm sure it's been said before, check your credit card benefits, read the fine print, mine offers me insurance as long as I pay my phone bill x 2 months on that card, used it once they reimbursed all my costs except taxes.