> - you think you are more likely to use the insurance than others, eg by being more clumsy (and without paying a higher premium) Unfortunately, this is exactl

> - you think you are more likely to use the insurance than others, eg by being more clumsy (and without paying a higher premium) Unfortunately, this is exactly my life with my family. For my own phone, I don't use a case or screen protector. I've had exactly one small crack in one phone and have never lost a phone. My wife and teen son however manage to destroy one phone per year. The money I spend on Asurion galls me, but it's still literally hundreds of dollars cheaper than not having it. (Knocking on wood) So far, my experience with them has been stellar, and they do a lot to make it easy for me to give them money. Requesting a new phone takes about 5 minutes online, and the one time I had to call (because it was impossible to turn off "find my" on the phone) service was helpful and solved my problem.