Galaxy S7 edge screen replacement is $270, are you currently paying phone insurance?

Still, nearly three Benjamins to replace the screen of a phone that cracks very easily when dropped without protection is a bitter pill to swallow, so we were curious if you have ever gone with any of those insurance payment plans that carriers, third-party firms, and even Samsung or Apple themselves now offer. For a fairly modest monthly payment, and a not-so-modest deductible, insuring a phone like the S7 edge might be worth it in the longer run, and even just for a screen crack. 

Other phones don't have flexible panels with plastic instead of glass substrates, though, so replacing their most expensive part isn't that steep (about $150 for the 6s Plus, 3D Touch and all), so insurance may come up as unneeded luxury. Are you currently paying for phone insurance to offset your clumsiness? Tell us in the poll below, and chime in the comments whether you have carrier, phone maker, or a third-party option.