Just to clear up some confusion, there are different policies for gsm and cdma companies when it comes to insurance on mobile devices. CDMA providers will offer insurance on any phone they offer. The reason for this is that each phone is individually activate by the IMEI # on the phone. Therefore, is there is a problem with the phone, they can track each on individually and know which phone each customer is using.

On the other hand, GSM providers do not offer insurance on phone with an MSRP over $400 (i believe that is the #). The reason for this is that on GSM networks, it is not the IMEI # that is activated by rather the SIM chip. Therefore, there is no way for the company to track which phone is being used and from preventing people from making false claims.