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I just got my new iPhone4 about 2 weeks ago. iPhone's are really expinsive, im scared if I lose it or if someone will steal it. Should I get insurance? for like $5 a month?

Ok so i have been friends with this girl since 1st grade and so like i stated texting her ex and i think she got mad at me and she also texts him but shes like really mean to him and stands him up and i feel bad for the guy so i just statred to text him anyways this is what her post say...

i Have an Lg Ally from verizon I got this phone like about a month ago And my plan was 450 Minutes i used like 398 I got Unlimited texting and Internet I Know my bill was like suppose to be like around $90 or $100 But there charging me $237 I only changed my number once and i never went...