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Skip the insurance on your cell phone
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Along the same lines as our "keep it simple" recommendation, phone insurance is rarely a good investment. If you pay $5 per month, that's $60 in a year. Then add in a $50 deductible and the "free" replacement phone just cost you $110 (or $60+ wasted if you never need it).
Insurance might make sense if your phone costs $500 or more, but even then, you're probably better off spending a few dollars on a good case as a much cheaper form of protection.
If you're still considering insurance on your cell phone, be sure to ask how much the insurance costs, exactly what it covers (and doesn't cover) and how much your "deductible" will be if you need a replacement. This way, you'll be making an informed decision.