I really don't know why you would bother having Asurion insurance. My experience with them was TERRIBLE. After filling out an onerous several page claim and FAXing it to them you'll have to pay them an additonal fee of at least $99.00. They claim they will send you a phone overnight. It took them a week. I had a Samsung Charge Droid. It was a great phone. After waiting a week for a phone they sent me a replacement. It wasn't a new phone. It didn't work. When I called and complained they offered to send me an HTC Thunderbolt. This phone gets good independent reviews but whereas the Samsung Charge had swipe and voice recognition texting, the HTC phone did not. It frequently didn't recognize the SIM chip that was sent with it and it didn't come with a data card. No data card, no photos. The HTC Thunderbolt suposedly had bluetooth but it wouldn't sych with my car's hands free system.The Samsung did first time & every time.
My advice is not waste your money on Asurion insurance. Try to get your cell phone covered under your home owners insurance instead. You'll probably be happy you did because you won't get screwed over by Asurion.
By the way, Verizon just increased the monthly fee for their insurance coverage.