[Galaxy Note 3 Q&A, Help & Troubleshooting] dropnbassonu:
Mods can you move this to the GN3 Q&A subforum instead of the GN3 General as I feel it might be better suited over there.

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It seems most people are buying a case, though a specific case I'm looking for isn't out yet (sview, kickstand, wireless charging). I'm willing to wait and go nekkid until such a case comes out. In the meantime, I'm definitely going to get insurance on it since the phone is expensive. What is the point in getting a case to protect it if you have insurance on it too? I can understand the screen protector, but not the case too. How often are you going to drop it that it might break without the case? I haven't had a case on any phone I've owned in the last 4 years and I've only broken one screen. However, I now have a 2.5yr and 10mo old thieves who grab and snatch my phone in the blink of an eye, so I know it's going to be dropped more often.

I'm probably going to get Worth Ave. Groups insurance after comparing and shopping around, but not the typical cell phone insurance plan you see on the site ($67/year with a $50 deductible). Rather, I'm going to get the College Plus plan. I spoke with the lady from Worth and she said that as long as you're enrolled in a class (physical or online) with 1 credit hour you're good to go. Or, if you or your spouse work at a university affiliated place, then you can qualify for the plan too as an educator. My wife works at a university affiliated teaching hospital so I can sign up under her. Bottom line, the college plan takes out a policy for a set amount of money. You pick your deductible and length of coverage. For example, a $2000 full coverage policy with a $25 deductible for 1 year is only $72. 2 years is $142, etc. Bumping up to a $50 deductible brings it down to $65/year (which is actually $2 cheaper than the cell phone only plan). They cover basically everything except losing it, though if it's stolen you have to provide a copy of a police report. The kicker here is that it doesn't only cover your phone, it would cover your wife's (assuming her name is on the policy too), and:

Computers

Desktops, laptops, keyboards, mouses, printers, word processors, software*

Electronic Devices

Cell Phones, MP3 players, video game systems, etc.

Electrical

DVD players, televisions, refrigerators, microwaves, etc.

Musical Instruments

Guitars, Amps, violins, etc.

Sports Equipment

Golf Clubs, skis, skateboards, etc.

Clothing

Coats, shoes, jeans, sweaters, shirts, purses, etc.

Furniture

Chairs, tables, sofas, beds, etc.

Photographic Equipment

Cameras, lenses, etc.

Jewelry

Rings, watches, etc.*

Bicycles

Bicycles*

Textbooks

School supplies, calculators, art supplies, etc.

Linens

Sheets, towels, etc.

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Not bad, eh? I know when something is too good to be true, it usually is. They are A+ with BBB, and most reviews online I find are positive. The only thing I can find that might be a negative is that the turnaround time on a broken device isn't as snappy as other places. I definitely wouldn't get a new/refurb unit overnighted. If I broke my screen, I'd take it to a local authorized repair facility (10mins away), have them fix it, pay my deductible and be done. They said typical time from a broken device to having it either fixed or having a check in hand covering the replacement cost is 5-10 days. I can live with that as I'll likely just go back to my old phone during that time, no biggie. Does anybody have any experience with Worth that might be able to steer me away?

Thanks