I've never purchased insurance for any of my phones, including my Curve. I did purchase it ($5.99/mo.) for my Storm though and I'm SO GLAD I DID!
Today, I was sitting in the drive-up teller window while talking to a friend. I leaned over to hand the teller my deposit bag and tried to cradle the phone between my cheek and shoulder. My slick jacket made that a bad idea.
The phone fell out the window of my truck, hit the asphalt/gravel pavement with a crash and landed under my truck. I was scared I'd run over it trying to get out of the teller bay!
I managed to get without running over it, but it now has a 1/4" chip (think windshield hit by a rock) and a smaller one as well, right in crucial viewing areas.
My new phone will be here by tomorrow. Thank you Asurion!
Cost: $5.99/mo. for 3 months; plus $50 deductible= $67.97. Cost for a new phone= $499 plus tax.