New customer...should I get equipment insurance?

Signed up with Cingular on a family talk plan with 3 Razrs in New Jersey. I
see nothing in the customer agreement that addresses equipment defects or
malfunctions after the initial 30 day grace period. If I choose not to buy
the equipment coverage plan ($4.99/$3.99 per phone; $1.99 enhanced warranty
supposedly not available in N.J.) and the Razr somehow malfunctions after I
have had it over 30 days what happens? I know Verizon will replace their
phone (within the first 12 months) with a "refurbished" one at no extra
charge provided it is an equipment malfunction not caused by the user. Does
Cingular do this also or would I have to go out and buy another phone at
full retail?
Thanks.


.

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