Insurance is over rated. Let's say it will cost 150 to replace my pearl in a year. If I pay $5 a month and there is a $50 deductable after the same year it would cost $110 IF I lost it. I would have saved $40. If I did not need to replace it and had no insurance I would have saved $60. I have 3 phones at a time and over the last 5 years never had to replace one. Basically saved $600 in fees

~via BB (