In most cases yes. if you have a contract with sprint and wanted to take your number elsewhere, they will charge you a contract cancellation fee for breaking your contact. The contact is tied to the number not the actual phone.
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Sprint provides service for Blackberry smartphones as well as many other phones. Boost mobile also is a carrier for Blackberry smartphones and is cheaper than sprint.
One can make an application for phone insurance under Sprint's Total Equipment Protection scheme on their website. Other companies such as Protect Your Bubble and Phone Claim do also offer insurance for Sprint phones.
Other than stealing their phone, the easiest way to know what someone else has been texting would be to be the account holder, have access to the account holder's online password to their carrier website (ATT, TMobile, Sprint online, etc), log in to the online account and view a transcript of all sent and received text messages, provided they have an online account. Such is not as easy for a prepaid cell phone.
You can find information on business phone service providers from major companies such as All Stream. Some other companies you may be interested in are Sprint and Rogers.
It means it's not free. It means that the standard rates for your cell phone carrier apply. In other words, whatever you normally pay for a text message will be charged.