Never mind, I see they have a $50 deductible.
Not sure if it's worth paying an extra $10 for them for a $49 lower deductible or not...definitely not a major savings.
Truth is it might be worth "self-insuring." In other words to get VZW coverage for myself and my wife would be $248 and if we lose the phone it becomes $347. Or it would be $0 if we "self-insure" and don't lose the phone or $649 if we lose the phone. Of course if we lose 2 phones within 2 years that changes the math. Then again we've each had Centros for many many years and have yet to lose 'em or break 'em.
Hmm...