I get insurance for my phone's through my insurance carrier. They have plans for devices like these. Mine covers essentially everything that the factory warranty doesn't, damage, cracked screens, theft, loss, etc. What they don't cover are manufacturer defects or issues caused by software. Mine costs $36 a year and has I believe a $90-120 deductible. They don't issue replacement phones, they just cut you a check for the amount you insure it for. With Google extending the manufacturer warranty, this to me is a great option. My insurance company is a small, regional one, so I'd assume larger companies would have something similar.