Which of the following options is the BEST alternative plan to purchasing cell phone insurance?

Leaving your phone at home most of the time to minimize any damages to your phone

Setting up an emergency cell phone fund

Having 2-3 phones at a time just in case something happens to the first phone

Downloading a phone locator app to always track your device's location

The correct answer is letter "B": Setting up an emergency cell phone fund.

Explanation:

By saving money to purchase an emergency phone instead of purchasing a cell phone insurance could be exponentially cheaper. You must consider that the emergency cell phone fund will be used only to buy a low-end phone that will allow you to perform basic functions - such as calling and text messages only - until your primary cell phone device is fixed - if broken, or until you save more money to purchase a high-end device.

I'd say setting up an emergency cell phone fund.