You dump your cell phone in the toilet. The phone is trashed…what do you do? Whether you replace the phone or not, you're stuck with the contract. You place your MP3 player down for a moment in the park… it vanishes without a trace. A pretty pricey pilfering. From PDA's to digital cameras, today's high tech must haves are incredibly easy to lose…. and incredibly expensive to replace. Now, companies are offering gadget insurance to help protect your most desired devices. Do you need the plans…are they worth it?