I bought my original Droid from Best Buy on the release date. Over a year later and I have all sorts of issues(Charging port broken, keyboard broken and coming apart, phone resets every hour or two, dropped called, missed calls, calls don't go out and same with texts.) I have their insurance on it. Once the tbolt comes out, I'm sending it off to get fixed, waiting a week with a loaner android phone, then getting my gift card for a similar or better phone(Which is about 600 bucks). Then I'm buying the tbolt.
I will always do that. Its a couple bucks more than Verizon insurance, but tons better. It covers everything that came in the box.