The more things you have on a phone, the bigger the chance of it tearing up. One suggestion would be to take better care of your phones. I have had my same phone for 2 years and the ONLY reason I am upgrading is because it cut my current bill with Alltel by about 75 bucks. I have 3 phones on this plan plus a wifi card and will have the same with AT&T. I imagine I will keep it(the new phone) at least two years, but just in case it tears up, I have the insurance.