I took advantage of the current $10 a month with bill credit on the Pixel 2 XL but wonder now if I was the one taken advantage of. This phone goes for around $450 unlocked with Verizon on ebay. My total cost at the end will be $240 but the contract price for it was over $950 on the Verizon agreement. This means if phone lost/damaged I will need to pay balance at that time to replace. Lose it in first month I owe over $900. Of course $13 a month insurance offered but really why should it be almost necessary to purchase. Math says in 1 year I will still owe $475 on phone to Verizon if lost. Purchasing insurance for that year would be $156 out of my pocket. 1 year from now that phone is 2 generations old and I would get a refurb  replacement. To me it looks like Verizon inflated phone price to make it desirable to purchase insurance. By the way the tradein value is $190 the first day activated.