If your carrier is a US carrier you are probably offered insurance through Asurion. If you decided to accept the insurance you might not even know that there are a few extra features offered to you through an Asurion app. The Asurion app is different based on your carrier, so you just have to search for Asurion and your carrier name (ie: Sprint) and you can download the app for free if you are subscribed.
So what about these extras. Using the Sprint example above you are given the ability to backup all of your contacts, because a large percentage of phones out there don’t have their numbers on Google or don’t know their password (or email address). This is big if you use your phone for business, or have a ton of friends. It’s always a pain to have to reload those by hand…
You also get the ability to locate your phone in the event that it is lost or stolen. This may save you the cost of the deductible (which is still cheaper than the $600ish cost of the normal price of the phone). Even if the phone is currently turned off it will tell you where the most recently located place was.
So if you decide to go with the insurance than you might as well download this free app and keep your contacts and phone safe.