 TITLE: Do You Need Cellphone Insurance? CONTENT: Compare Your Options and Run the Numbers\n----------------------------------------\nThere are a few situations when you definitely don't need cellphone insurance. For example, when replacing your phone costs about the same as the deductible. But for many people, having an insurance policy might save them a lot of money—which can make it harder to decide whether it's a good idea.\nUltimately, you might decide against insurance and simply commit to being careful. Some extra gear can help too—a case and screen protector won't protect your smartphone from everything, but a modest investment in protective gear could help prevent cracks and scratches, two of the most common types of damage.\nIf you're considering buying a policy, first look at your insurance and credit card benefits to see if you already have enough coverage. If not, compare the insurance plans' coverages, premiums and deductibles. Then, consider the financial impact of paying for insurance versus replacing or repairing your phone, and decide what makes the most sense for your household. END