<p>Verizon does an out of warranty replacement too. Not sure if they will be doing it on the new iphones or not but I had a cell phone stop working correctly out of warranty. I had to pay 50 dollars for a replacement phone and return my old one. (I didnt dump anything on it or drop it, it just stopped functioning correctly). The replacement phone that they gave me was a refurbished version of the same phone. Much cheaper then paying the 200 dollar sticker price on the new phone. That’s why I don’t take their insurance.</p>