Do you have insurance on your cell phone? I currently pay $11 per month, but have never even had a close call with dropping my phone, lost a phone or had any other issue. Part of me wants to stop paying for insurance, the other part of me just sees Murphy's law happening. I have had my current phone for 3 years, so that's almost $400 that I could have put towards debt. Thoughts? Edited to add: I'm a samsung device person, my phone is paid off and my deductible is $100