**TRIGGER ALERT: BARF**
I've been a cellular subscriber since around 1998 or 1999. I've never purchased insurance, and always buy a case to put my phone in. I'm not an early adopter, but instead always chose the cost effective smart phone. I've never had a phone be damaged beyond use, because the rugged case protects the phone from drops, etc. I always keep the previous generation of phones as a backup in the case one is lost or stolen, then donate the older ones.
Got a new iPhone for Erika in October so that she'd have a phone with a fresh battery and plenty of storage space for our vacation in early November (she's been a shutterbug forever.) Vacation went off as expected, and she took over a thousand photos of the kids and grandma. Last weekend, my youngest seemed to have a particularly nasty stomach bug. Lots of vomit. Like how can a two year old produce that much volume? THREE DAYS STRAIGHT.
Erika was cleaning up some upchuck off of the couch, and her phone was on the arm of the couch. Yep, the phone tumbled into a bowl comprised of water, pine sol, and vomit. Since we've never lost a phone to water damage, Erika didn't know to immediately power off the unit. Yep, fried. Came home, did an ESN swap through Sprint back to her old phone. At least I only have ten months of payments left of the dead phone, right?