mobile

As the title says- want to understand whats the consensus on what insurance is smarter- I usually always get Squaretrade and they have it now for a month with a deductible which isn't bad and Tmobile offers Jump for a month with a 5 deductible, but this option covers loss and also has the ability to upgrade after a year.

In my situation- i got the 64gb gold edge, and did the 0 down and paying 32 or so a month- which do you think is the best option? I am torn between the ability to upgrade and the loss coverage that Jump offers vs the cheaper but very reliable service that squaretrade offers...

Thoughts?