Support Bad Micro-USB charging port. Insurance claim or new phone?

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http://androidforums.com – Last night my phone would no longer start charging. I was using the original charger. I also have my old blackberry one's in the car and at work. None of them work now. I've never had a problem or anything until now and have owned this phone since January 2012. I tried all the tips I found in the forum, cleaning, bending, and whatnot. Sometimes I can get it to charge if I pull the plug back out just a little bit. However, when connected to the computer Windows complains the USB device has failed or something along those lines. I have insurance on the phone, so now I'm trying to decide (General)