welcome
Depends on what type of person you are, if you tend to use the phone as a screwdriver.. you should prolly have taken insurrance ;p
Normaly I would say that insurrance is just another way for the carriers to earn more money.. but its great if the phone gets stolen or you drop it and it breaks..
Remember you still got warranty on the phone, so any errors that come up during that time will be taken care of by that
Enjoy you stay btw
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