SquareTrade warranty vs Verizon s insurance?

Which is better? Wanting to get the new iPhone, and definitely need a insurance plan, but hesitant to shell out over $200 for Verizon's. I've seen good things about SquareTrade, but I'm a little leery of 3rd party warranties. Anyone deal with ST before or know of a better one?

How to see the apps i have downloaded on itunes?

I have an iphone 3gs, on the same itunes account as my mums and dads and brothers iphone 4's, i was just wondering, if i download an app on my phone, can they see everything i downloaded, because i need to download a twitter app and if my brother finds out i have twitter, he will hack me how can i make sure they won't see it while on the same itunes account:/?

Can i use my contract sim in iphone 4s?

I'm wanting to get the iPhone 4s however, on my current contract with my htc hd7 my upgrade date is only available in march and i don't want to wait any longer as i really dislike this phone. If i got the iPhone 4s could i just use my contract sim in it (obviously changing it over to a micro-sim first) I was considering cancelling my current contract and starting up a new one however i didn't want to pay the £153 termination fee. Would i still get my contract use-age in the iphone, like my unlimited texts and my 1gb of free data?
Any information is very helpful as I'm not too sure about these kind of things.
Thank-you.

Can I set up a wireless router in university halls?

Basically I know I can get a wired connection at the university, but to use my iPad, iPhone and PS3 on the internet I could do with a wireless network. If I buy a wireless router can I just plug it into the wired connection?

I dropped my iPhone and now the speakers can't work

Yeah, so I've dropped it a lot of times in the past but this is the first time it totally died on me. I could still receive calls and hear my ring tone (it sounds weird though) but I can't play songs on speaker now. I can't even watch videos using the speaker! Can I fix this? Or is my phone gone for good?