Yes, a good case is the best answer:But a good case and screen protector, skip the insurance.
- It makes your phone a bit more "grippy" and less likely to be dropped.
- If dropped, it provides some protection.
- In general, you don't want to insure single items -- you'll almost always get nothing back.
- Before you buy phone insurance, check to see whether your phone might already be covered by your homeowners (or renter's) insurance or by your credit card.
- Additionally, just being aware will protect your phone: Don't use your phone while walking, for example.
Poor analogy. Car insurance is required by law, and a car is significantly more expensive than a phone.Couldn't disagree more, things happen no matter how careful you are. I have been paying car insurance for 30+ years and have never filed a claim does that mean I should just drop it?
That's how insurance works! They charge more than the average person is ever going to "get back". That's how insurance companies own all those big buildings.All insurance and warranties have a negative expected utility. On average, you will pay more for the coverage than you would without the coverage. It's all about risk-tolerance and your ability to save to cover unexpected expenses.
For example, I've been paying $$$ for homeowners insurance for 34 years -- never had a single penny back from it. I've been paying car insurance for 41 years -- they paid one small claim once. That's thousands and thousands of dollars I've lost.
Oh, the insurance companies must hate you. You're logical and have thought this out.A screen replacement costs $100 for my phone. Would I rather pay $10/month plus a $30 deductible in the event I need it? What are the legitimate chances of a total loss? Incredibly low. The insurance sellers like to say you're insuring a $1,000 device, but you're really only protecting a couple hundred in damages.