Should I get insurance on my iphone 6?

Should I choose to get insurance with my iphone 6? I am going to be ordering one and also getting a Lifeproof case. Would it still be a  good idea to get insurance? I'm trying to lower my bills, but also don't want to be left with a busted expensive as can be phone if something did happen to it. What is the replacement price on an iphone 6 if you have to use the insurance?

As you figure out the numbers consider this:
To have Apple replace your IP6 screen if only the screen is busted - $109
To have Apple replace your IP6 if you break it more than just the screen - $299
OR
AppleCare+ for $99 for 2 year warranty with damage replacement for $79. Does not cover loss or theft.
I personally find the Verizon Asurion insurance to not be a good bargain and would go with AppleCare+ or save up the money and save it if you would need to do up to a $299 replacement.
Paying for Asurion at the $7/month plan you would pay $168 over 24 months. If you needed a replacement it would be up to $199 deductible. So if you broke you phone halfway through the 24 months, it could cost $283. That is why it makes sense to me to self insure and then at the most you would pay is $299 and be out $16. But if you don't break it, you would save $168.

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