I am always losing or damaging my mobile phone. I have two small children, so my damage statistics would be familiar to parents and shocking to those without kids. Over the last 5 years I've lost my phone, cracked the screen several times, had it dunked in water (don't ask me where), and several other mishaps. The costs definitely started to add up over time. When it was time to re-up my contract with my mobile phone provider, Verizon, I decided to consider an upgraded type of insurance called Total Mobile Protection. The insurance covers events such as lost/stolen devices, cracked screens, and out-of-warranty problems.