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Yes, indeed. $10 will get you a replacement through the store. If you're lucky you can get one that day, but if the phone is not in stock it will need to be ordered. The conditions for using this insurance route are that there are no signs of physical or moisture damage to the phone (and of course that the phone is out of warranty). So long as you meet those conditions, you're good to go -- just tell your store sales rep that's what you'd like to do.
The $50 deductible option will take you through lock/line, and is designed for folks who have lost or otherwise damaged their phones. (Water damage, running over it with a car, ketchup in the battery compartment -- seen 'em all)
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