Warranty

Standard: One year, parts and labor.
Extended: Loss-protection plans cost $3 to $5 a month and cover loss, accidental damage, and theft.

Common Problems

The number one cause of cell-phone damage is dropping the phone, especially into water (which is typically covered under a loss-protection plan).

Is It Worth It?

Maybe. Consider loss protection if you’re prone to losing or dropping your phone or if you’re buying an expensive model, such as a camera phone.