Everyone has a cell phone nowadays and they seem to be getting more and more expensive every year. Did you know that certain credit cards provide free cell phone protection? That means if you use these certain credit cards to pay your monthly cell phone bill then you get free insurance on your phone in case you lose it, drop it, send it for a dive in the toilet, or your kids play hockey with it. Most of them have a small deductible you would pay (like only $25) and then the credit card bank would replace your phone up to a $600 value. The current cards that offer this are the Wells Fargo Propel Amex Card and the Wells Fargo Cash Wise Visa Credit Card and you can compare them here. Thankfully, I personally have not had to use this service so I would love any feedback in the comments below about the process and ease of using it.