This Company is FRAUD
NCOA sells insurance covering loss or theft of cellular phones; or so they make people believe, because when you submit a claim they deny it based on their "exceptions", which are:
What is excluded from coverage? The loss, real or perceived of data, time, financial opportunity, or any other consequence arising from the loss of the use of the wireless device, normal wear and tear, inventory shortage, dishonest or malicious acts, cosmetic damage (ex. marring, scratching), negligent loss, water damage, loss or unexplained disappearance or voluntary surrender to a third party, loss in a body of water, theft from an unattended premises or vehicle not reasonable secured, in transit either through postal or courier services, or incidences occurring outside the US or Canada are not covered by the service.
According to this you won't get your phone back if you lose it or is stolen, because it falls into the "exceptions".
Buy Insurance form the Phone Company, is not the best, but at least you get your phone back.