answer:Well, strictly from a financial perspective, she’s going to basically break even on the cost of the phone + warranty over a two year period, whether she gets the phone at Best Buy or Verizon. However, neither Best Buy nor Verizon do their own in-house warranty, both actually use a third party to back the warranty, which means the service/experience is likely to be similar. Alternatively, your friend could get a warranty through someone like Squaretrade which is well regarded. It sounds to me like the Verizon guy wants the commission on the phone. If your friend was happy with the phone before, she shouldn’t stress over the warranty issue.