We had purchased insurance for our phones in the likelihood of one or both of the phones being damaged. One got damaged about a year later and we filed a claim, they did not have the phone but told us they would send a comparable one. They sent one with far less memory and less applications, it was NOT even in the same family as the original phone. That phone 40 days later completely stopped working. Called them and they said they could not help me at all because it was outside of the 30 days. They were rude, actually hung up on me while I tried to file a complaint. Treated me like a complete idiot. We pay 12 bucks a month for the two phones, had to pay 50 for the replacement phone. Its so not worth the money and they are rude.