In my opinion you are better off to take your chances without the insurance. They never cover what they say they cover and always find a way out of any liablity. The cost of a new antenna from Nextel is $30.00 and does not require you to replace your phone for a $35.00 refurbished one(which is just the handset, no battery, battery cover etc. So those thinking I can get a new phone for $35 that is not the case You get a rebuilt handset that half the time comes prescratched for you, I know from experience. Then not to mention everytime you have to reload your ringtones, wallpapers, and java apps.), you can get just the antenna for $30. For that matter you can order a new aftermarket antenna for a mere $10.00, which if you go through alot of antenna is the way to go.