My advice? GET IT!
I never used to get this insurance, but got it for the first time when I purchased my Tour. One day, I had it on my bed and fell over onto the bed. Somehow, I managed to hit the screen right square in the middle with my elbow and destroyed the screen. Claims can be made online, but I called Asurion. It was a 10 minute phone call, I told them exactly what happened, and I had a brand new, factory sealed tour the next day. It can't be beat. This is the first time I've ever used anything like this, and I'm REALLY glad I had the insurance. I will never go without it again.