Regarding the insurance, I tried to use it once when my daughter dropped a new cell-phone in the water. A quick read of the credit-card insurance promo looked p

Regarding the insurance, I tried to use it once when my daughter dropped a new cell-phone in the water. A quick read of the credit-card insurance promo looked promising, but once we called and talked to a very nice customer-service rep for the insurance service, it quickly became clear that there were tons of fine-print that justified the insurance not covering this situation.