cell phone insurance

This is a nice benefit we just came across, associated with the Citi Forward Credit Card:

Use your Citi Forward card to pay your cell phone bill and get free protection (up to $250) from damage and theft.  All phones (including iPhones and smartphones) from all telecom providers are covered.

If you don't want to spend $5 a month for cell phone insurance, but still want some coverage, this might be an easy way to do it.