I had Centennial and lost a phone, insurance covered it. Later that year I broke one, insurance covered it. I kept on paying the monthly insurance fee and when I broke another one, they said it only covers 2 phones per year. But they still charged me the monthly fee.
I switched to Sprint and got one of them waterproof, rubber coated, tough phones. No bells and whistles, but it lasted over a year so far.
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