Whether you're purchasing it outright or locking yourself into a contract, a cell phone can be an expensive investment. And taking into account its value, the frequency with which you'll use it and how relatively fragile it is compared with the old-school brick phones that preceded smartphone technology, it's something that can be easily damaged, lost or stolen - and all of these events can prove as costly as they are stressful.
However, depending on how you buy your phone and if you go through one of the major providers, there are options for protecting your device (and your wallet) against any of the above unfortunate events. Manufacturers provide a complimentary warranty (and additional extended warranties are available to purchase), and all of the big carriers offer phone insurance, either as an add-on to your monthly plan cost when you sign up or to be bought separately if you decide you'll need it down the track.
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