Hi. I got new Android smart phone. It is very costly so I have decided to have cell phone insurance this time as I have already lost my three cell phones and was in big loss. But I do not have much information about it as what are the agencies which provide insurance facility, where are they located here in California ( I am from California), and how much percentage of amount do they return on any damage of cell phone or when it is lost. Are there any agency which have online facility for my smart phone. Please do guide me with your valuable suggestions.