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We have had our phones now for a week and was looking in My Verizon home but find no where to add the extra insurance is it something we have to call for.
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It is typically added at the time you purchase the phone(s). You do have 30 days to add the insurance per line, but I believe you have to either go into the store or call customer service to add it once you've bought your phones.
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Yes you are right AFguy. Coming from my opinion....I don't feel like insurance is worth getting if you are the type of person to keep the phone protected
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Unless you have an extra phone laying around that you could use if something happens to your phone, then I would recommend purchasing the insurance. Your manufacturer warranty is not going to cover you if you drop the phone in the toilet, it gets run over by a car, your dog chews it or it gets stolen. It's a small price to pay when you think about the fact that the phone is over five hundred dollars full retail cost.