i have been with t-mobile for almost 6 years... thinking to get an iphone 4s with sprint.. is it worth it?

[Angel1]

hello i have been with t-mobile for a really long time and i do wanna get an iphone 4s but i dont have $500 or $600 to spend like that on a phone... and my contract is ending in a week with t-mobile so i was looking into different phones and plans... my dad have iphone 4 with att and there service is so bad that i dont want their service.. and sprint does have unlimited data and its not that expensive compared to verizon and att.. but i was wondering if its worth it to get an iphone 4s and does sprint have PHP insurance,, like t-mobile have asurion if you ever lose your phone or some kind of damage they will give you new phone or refurbished with a deductible .. does sprint have that option because i am not very good with phones.. i do end up losing them but i cant afford to lose iphone but still sometimes things happen.. so i wanna be on a safe side... i am just wondering if they have that option or not.... thanks and yes AT&T does have that option if you ever lose your iphone you can get another one for $200 .....