Is paying for insurance for a cellphone still worth it?

[head shots101]

Got a case on my note 5 and notice the back is shattered.... Don't know how the fukk that happened

 

[el_oh_el]

If you can buy non carrier insurance which covers loss/theft at a decent price, it is worth it.
I once used protectyourbubble.com and instead of sending me a new phone, they sent me a $750 check

 

[Panther]

not worth it when most people only ever crack their screen

 

[AB Ziggy]

Tempered glass screen protector and rubber black case covering both screen and phone itself.

Never needed insurance.

 

[BaldingSoHard]

Never been worth it, imo.

You only pay insurance for something you can't afford to replace.

 

[TRFG]

I cracked my iPhone 6 screen I was thinking about claiming insurance but I'll just wait until may for a upgrade and get the 6s plus

 

[The Devil's Advocate]

I have it incase of theft or misplaced.

this is the only reason

most people forget that 199-299-399 price is for your upgrade

once you lose that phone, that's going to be 799-899-999 to replace that shyt... and if you don't get the same phone, good luck on that backup working

i travel to a lot of places throughout the year, i never know what i'll run into... and that one year i decide i don't need it, will be the one time some brazilian pick pockets me and apple gonna hit me with the