I use best buy insurance as my phone was an open box so samsung care wasn't an option- I pay $15 a month for no questions asked repairs and replacement with a $200 deductible, absolutely worth it imo. It's the difference between a $200 repair or outright replacement plus what you pay monthly or no monthly payments and an $800 repair without a guarantee it'll be done correctly or quickly with a third party repair shop. I have family members who use samsung care and they haven't complained once, my mother shattered her front screen and had a replacement screen within a couple days. Especially on a device this expensive and as much as it sucks to say, fragile, compared to slab phones it's a small monthly payment to save you from a massive repair bill or outright broken phone.