I purchase a Samsung Rogue with 2 year contract on 2/23/10. At that time I purchased the Asurion Verizon Total Equipment Coverage for $8.00 per month. The policy claimed, total equipent coverage, no deductibles, and free overnight shipping.

On May 21 the Rogue touch screen went black so I called the insurance. The Asurion Policy and phone recording says next day shipment of replacement phone. I was told a replacement phone was on backorder with no other options. I was assured the phone would be shipped within 7 days. I waited 7 days and no phone, and then called Asurion again. I was then told that the Samsung Rogue was no longer being made, and I could wait for a re-furbished Rogue, or I could have the LG NV Touch. I requested the NV Touch since I did not want to wait indefinitely for a refurbished phone. The charge, or deductible, for the new replacement phone was $89.00 bacause Asurian assumes physical damage, and not warranty phone defect. The NV phone arrived next day, and within 12 hours did not work. The inside phone screen went blank and is not usable. I called Asurian again. I was asked if I had physically damaged my new (less than 12 hours old) phone - remember they always assume physcial damage, and do not accept that the phone is faulty because they want to charge another deductible. I was told not to worry the phone was under warranty. I am currently waiting for a 2nd replacement phone.

So $40 for insurance over 5 months, and an $89.00 deductible and I still do not have a phone that works and I placed the claim over 2 weeks ago. The Asurian advertisements are false and the company does nothing but waste your time.

Beware of $89 deductibles, backorders, refurbished phones that do pass any quality control, and the run-a-round. In the end, my advice is to skip the insurance, and when your phone breaks take it back to the Verizon store. Also, beware of Touch Screen phones they are not as durable as other phones I had in the past.