I'm new to the smart phone scene, and just purchased my first Blackberry. I was offered the insurance coverage from Verizon, but I'm not sure if I should get it. As I understand the policy, in the event that my phone needs to be replaced, I would receive a refurbished phone (not new). $6 or $7 would be tacked onto my bill each month, and I'd have to pay $85 for each claim. If that's the case, am I better off just picking up a refurbished online somewhere (eBay, etc.), or should I get the insurance. I guess I'm curious as to what would be more cost efficient. Thanks in advance for your responses.