I picked up the square trade insurance for my iPad, & will be putting it on my wifes iPhone, but not mine... I've had good luck since iPhone 1... Just being careful.. & iPhone 4 seems almost indestructible to me... No plastic to scratch, no soft aluminum to ding, just incredibly tough glass & stainless.... If apple is telling the truth about the glass... Good luck breaking it... They are calling it gorilla glass for a reason. Now that being said, if I get it in my hand and it feels fragile... I'll be signing up for square trade instantly... Their insurance is pretty sweet... So much cheaper then through AT&T... Do anything to the phone but lose it & your fine... I believe the deductible is only 50 or 100 bucks... Not bad....