What happens exactly when you buy a phone from a third party?

My contract is going to end this month and I have a $50 gift card to Best buy. I already posted up a question but for this post I want to know exactly what will I get and what will I won't get.
I'm hoping to buy a Droid Incredible or a Droid X2 or a Droid 3. (Have any reviews about one, two, or all of them? if you can please type them up... I already read reviews from the webpage and on google but you know more reviews are better)
So first of all, I want to get the Droids from Bestbuy... I want to. Not I have to. Otherwise, I can get a phone in a nearby Verizon store. (And I know that sometimes third party stores are bad and this one person said she got hers from walmart. But a lot of technology from walmart is bad. Bestbuy is a lot better in having better condition, quality, etc technology.)
Will I get warranty/insurance from Bestbuy?
Can I do a little demo or something like that as I search through Bestbuy's phones?
Do I get like a return guarantee or something like that if I don't like it?
If there are other things that I will get or won't get, please state what they are
Finally, I've been asking specific questions about updating but since none of them apply to me, I want to know what I am eligible for.
For a brief description: I had an LG EnV 3 but I lost that one and instead of buying a new phone, I just traded my mom's old phone (which was broken so she got a new, same type phone that she graciously gave me). And according to the employee there, when I traded phones, I was still eligible in upgrading to a new phone... Anyway, my mom's actual phone (not the one that I have) is the first line on the family plan. I will ugprade my phone when my two year contract expires.
So what do you think I'm eligible for?
I thought I was going to get $100 off but someone says that that's only for the first line... which is kinda confusing since the verizon employee said that me and my sister will get $100 when we upgrade our phones.
I'm going to call Verizon either today or tomorrow but it's always good to know what non-employees know as long as its valid.

Will I get warranty/insurance from Bestbuy?----From what I heard they do have their own insurance program that hey take out of your card directly. If you get it and Verizon teels you that you dont have insurance, dont freak out cause they cant see that.----- Can I do a little demo or something like that as I search through Bestbuy's phones?---- I dont know what you mean by a demo, but they do have phones on display to demo last I checked.------- Do I get like a return guarantee or something like that if I don't like it?---- They have a 30 day guarantee I believe, but remember that's for the phone, not for the contract thru vzw.====$100 is for primary line only, rep at store apparently wasnt paying attention or somethin lol. other than that, best buy is a 3rd party, which probaly has their own contract you will probaly sign, so you will need to read their terms throughly!!!

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