Should I buy the "extended warrranty" from Verizon

[kennyc]

If you are rough on your phones as I am, used the insurance a few times then it is a great thing to have. I can not afford to shell out full price when I break the phone.

I don't see the logic to pay $8 a month, and then pay $80 co-pay if you have to replace your phone.

Treat your phone better, and if like most you will likely upgrade in a year.

It's not about treating my phone better. I work as a medic , I am in an out of wrecked cars and buildings that are not in the greatest shape, and things happen. I dropped one off my belt while carrying someone got caught on the railing and pulled out the case went 2 flights down. Thats the only time I ever had to use it so far it does happen. Kinda like car insurance a pain in the butt to keep but really nice to have when you wreck the car.

Absolutely worth considering the context in the decision! I'd not even hesitate to buy it in your situation.