I happend to leave my window cracked and my cell in the car. Well, it rained and I couldn't hear anything out of the phone. So, I went on Ebay and looked for the same phone (it was old and cheap). I asked the seller for the ESN#, then called Verizon to see if that was availble. After a lot of pushing to get the info, they said yes.
So, I bid on it and won it at about $30 with shipping. So, I saved at least $20 over buying insurance and filing a claim.
It was activated and worked fine for a year, or so.