I was going to insure it through Verizon but Verizon treats it as a phone so the insurance is 8 or 9 dollars a month extra and there is a hefty deductible to have it replaced or repaired. I decided to go with SquareTrade which was $59.00 for two years and a 50 dollar deductible. I also know a couple of people that have used them with positive results. They cover everything except thief/lost device. I also purchased my watch with AMEX so it will double the waranty also. Is anyone else insuring their watch?