I just bought a smartphone. Family plan with wife and parents. The salesmen were trying to push an insurance plan, but with just a quick look down the exclusions it's pretty restrictive. At $8 per phone per month just for myself and my wife that would be costing me more than my renters insurance and I end up paying half the price of a replacement over the course of a 2 year contract. Makes my think there has to be a better way to insure my phones.
Are there alternatives to using the carriers insurance plan for my phone?