I don't know much about the current state of Assurion/Sprint insurance; however, in the past I have used it several times. I couldn't have been more satisfied. I remember in my most recent claim, I was on vacation with my Palm Pre... I jumped into the lake from the pontoon boat we rented with my phone in pocket, like an idiot.. they had a brand new Palm Pre at the resort we were staying at the next day. Can't beat that service! I know the rates have been said to have gone up, but I have heard numerous reports that even after the rate hikes, Assurion/Sprint have still been charging the old (cheaper) fees. Either way, I know Best Buy's "Black Tie" (or anyone else) couldn't have provided me with the service I got.