I just got a razr. When I was porting over number the guy on the phone talked me into the insurance at $7 per month. I asked several times what the deductable was. HE stated any where from 35 to 95 depending on what happened. This sounded strange as a floating deductable. He said a person is lucky to get 8 months out of a Razr. Went into store they had no paper work to read on warranty full detals, They said $50 deductable. Guy from customer call in said he thought it was $50 . Really not knowing what they are selling. Well I downloaded it from the insurance web site. Razrs have a 95 deductable and the insurance provider also charges a $3o processing fee. It also states phones will be replaced with new or either refurbished phone at their option. Said phones might have scraches but in working order. Just wondering, am I the only one or does this insurance seem like it is overpriced and really not provideing what the store says since you most likley will get a used phone back? At $7 per month then $95 deductable then $30 processing fee. It would not take too long till you have enough paid in to buy another NEW phone. It did cover things at lower deductable while under 12 month warrenty. Has anyone had there Razr more than 8 months and it working well? Figure the guy was just trying to make a sale. I always felt that buying a warranty is like betting the product you are buying is crap and not going to last.