A couple years ago I had two phones with a national carrier. My wife and I decided to purchase the warranties for loss or damage. The first month, my phone got wet and stopped working. That was replaced under the warranty. The second month, my wife lost her phone. For this phone - under a paid warranty mind you - the warranty company refused to replace the phone. Their "out" was some clause that, if they believed we were attempting to cheat them (which we were not), they weren't required to honor the warranty.<p>Now, if the more expensive warranties sponsored by the national phone companies don't honor this situation, why should I trust a company to protect us, if that company makes less than half the amount of money of the other companies?<p>I'm not being combative, just realistic. Why is this company different? Is the difference only the stated cost?