I had to think about the Verizon insurance vs Best Buy. As long as you don't completely lose the phone Best Buy is better. If you run over it with a lawn mower and gather all the pieces in a bag and bring it in - your covered. No deductable. But if you totally lose it or it gets stolen you are SOL. I would never get the Best Buy insurance for my daughters, they lose stuff. But i'm willing to take the chance on me.