I also feel the insurance is well worth it. Assurian will replace your phone for ANY reason. And they send you a replacement including battery and charger, yet all they require in return is the phone itself. No sure about stolen or lost phones...
I've used this insurance twice. Once I dropped my Razr and broke the display. They sent out a replacement overnight, debiting my card $50 deductible (Droid is $89). The second time I had it on my belt clip and rolled over on it while on the ground working on my car. Again - replacement overnight. I picked up two spare batteries and chargers. Almost covered the deductible!
For the poster carrying the insurance on a non-droid phone. That will not fly. You must specify Droid. I tried this myself and they said the Droid would not be eligible if I did not pay the higher premium.
cuskit
I've used this insurance twice. Once I dropped my Razr and broke the display. They sent out a replacement overnight, debiting my card $50 deductible (Droid is $89). The second time I had it on my belt clip and rolled over on it while on the ground working on my car. Again - replacement overnight. I picked up two spare batteries and chargers. Almost covered the deductible!

For the poster carrying the insurance on a non-droid phone. That will not fly. You must specify Droid. I tried this myself and they said the Droid would not be eligible if I did not pay the higher premium.
cuskit