

1. High deductible
2. Replacement phone is refurbished, not brand new
3. Peripherals don't fit
4. Replacement phone of less value than deductible
5. You won't need insurance anyway Simply put, you won't need insurance when you don't lose your cell phone. By the end of the year, you get an extra $60, or $120 in two years, $180 in three years, etc.
So you still think you need cell phone insurance? Take your time and think it through.