re: Verizon vs AT&T Samsung models & Phone insurance

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You might be missing some features using an unlocked phone with ATT.

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This right here.^ My first One+ phone was a factory unlocked unit. I was an AT&T customer at the time. When I took the phone to AT&T they put their Sim in it, but they told me up front that certain features on their network were blocked on phones that weren't locked to them. The only feature I remember that was blocked was video voicemail. A feature I would never use. As a matter of fact I have never met a person that used video voicemail. For what its worth T-Mobile places no such restrictions on factory unlocked phones.