I was suckered into buying their phone insurance for my Droid for an extra $6.99 per month. I am a professional and depend on my phone for business. When my Bluetooth function failed, I then found out that the insurance is ONLY FOR physical damage to the phone. The insurance does NOT cover the phone at all if the electronics or battery fails, just physical damage. This was NOT told to me of course. I was told my home would be covered if something happened to it (you read into that!) In the end though, the electonics are only covered under the WARRANTY, not the INSURANCE (do you get it now?). You only find out the bad news when something goes wrong with your phone and you find out the WARRANTY expired (even though you'ver been paying insurance for several years! Well, had I known that the WARRANTY covered the phone internals I never would have bought the INSURANCE. Here's my gripe: EXPLAIN THIS TO PEOPLE AT THE COUNTER! Let them know exactly what they are getting for their extra $6,99 per month! But alas, they never do this. You just wind up falling into another one of their money traps until you get wise, then they only say "gee, sorry!". Don't buy their insurance unless you think you might phyiscally break your phone. It's just another one of Verizaon's many money scams!
