just want you to know....if you get insurance on the phone, beware. Although the insurance will cover a treo 650 on the TMobile network...you will not get a treo 650 as your replacement. By contract, Asurion will replace your phone with a TMobile liscenced phone. This will most likely be offered to you as the treo 600, which is the most comparable phone in the lineup. It is still a good option as opposed to paying full retail for a phone should it be lost or damaged, but just a heads up.