The WORST Iinsurance EVER around but to top it off all AT&;;;;T does is tell you that is a third party and don't have anything to do with them.. yet when they are selling their product they do then plus THEY LIE!! Told me I would not be without a phone for more than 24 hours!! COMPLETE lie from At&;t sales associate. I was without a phone for 9 days... they did not care that it was my business phone either....