Broken wireless Cell Phone, Insurance Lost, warranty, damaged

Wireless Cell phone insurance is it worth it?
How I replaced my phone for almost free.
How much are we paying for wireless cell phone insurance? I’ve had wireless phone a HTC MY Slide 3G for about 18 Months. During this time, I paid $7.99 monthly. I have had the phone for 18 months and paid $144.00. When I called my HTC they advised my warranty had expired 6 months after I entered a 2 year contract. I called and talked to the cell phone insurance company. If there is a crack,