The screen won't scratch (seriously, take your keys and try, you won't scratch it), but it will certainly break if it falls at the wrong angle.
FWIW, I dropped mine a week ago from about 2 feet onto a wood floor, and the vibrate doesn't work any more.
Source: http://ask.metafilter.com/71254/Is-Iphone-insurance-worth-it#1062356
iPhone insurance worth iPhone insurance plan
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