You can go to any insurance company (State Farm, Allstate, etc) and ask for a Personal Articles Policy. You don't need home owner's insurance nor car insurance with the carrier. Insurance companies can set them up as stand-alone policies.
It depends on where you live, the amount of the coverage for reimbursement claimed, etc. I suggest you contact an insurance company and get a quote. I'm guessing it'll be a lot cheaper than the $84/year you're paying at VZW...
I purchased a "Stuffback" label for about $6. It offers a reward for the return of the device. Stuffback offers the reward and you can add an additional amount if you want. I placed my sticker inside the battery cover b/c if someone finds it and tries to use it for themselves, they'll take the cover off to insert their sim. StuffBak - Protect Your Mobile Assets
Go to their site and check it out. I have their labels on all of my portable electronics.
$5.99 a month for a curve. $69.00 deductible. Insurance kicks in 31 days after you sign up. Will replace with a new, like or refurbished. $25.00 cancellation if you cancel before the year is up. Pretty much the same as Asurion, only asurion is $50.00 deduct and only availble with VZW
The 8310 comes with a 1 year warranty, and I bought it with my credit card which doubles that. It's rare for me to keep a phone for 2 years without upgrading, so i'm not all that worried. If I lose it, i'll just buy a new one and expense it.
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