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IPHONE 4 s insurance

Is insurance really necessary? Think about it, how much is insurance? $10-12 roughly every month. You are due for an upgrade after18-24 months right. So in 18 months you spent $180ish to protect a phone and chances are you will never cash in. Why not throw that money in a separate account. Then it will earn interest for you. You will come up with the other half if something happens but if you do this for a few years then you will have enough saved to pay for a new phone. If you pay ins on every phone you get then you already done this but have nothing to show for it. Think about it.

quite agree!
 
phone insurance for some is necessary... like me, i travel a lot and often visit construction sites.... so i think that insurance for my phone is necessary.. i have apple care +
 
I am totally agree with you, its totally worth to use your idle money...you could use it with other staffs
 
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