To my knowledge, neither AT&T nor Apple offer insurance for the iPhone. Unfortunately, someone pilfered my wife's iPhone last week. That prompted me to look harder, and I discovered that you can get insurance on the iPhone for a reasonable price through your homeowner's insurance.
I deal with State Farm, so I can't speak for other carriers, but I would think it would be similar through most major carriers.
You need to have a Personal Articles Policy, such as for listing jewelry, guns, fine silver, antiques, etc. If you do, you can add the iPhone and pay a specific premium for replacement coverage with no deductible. With State Farm, for $400 replacement cost coverage it will cost $28 per year.
The coverage is for loss or theft, not for warranty issues. Understand this.
If you aren't familiar with a Personal Articles Policy, it is an add-on to your homeowners, which allows you to list certain classes of personal items and pay a specific premium based on the value. Loss or theft is then covered with no deductible. Different items are billed at different rates, and State Farm charges $7 per $100 of value for cell phones. Thus $28 per year for a $400 iPhone.
I deal with State Farm, so I can't speak for other carriers, but I would think it would be similar through most major carriers.
You need to have a Personal Articles Policy, such as for listing jewelry, guns, fine silver, antiques, etc. If you do, you can add the iPhone and pay a specific premium for replacement coverage with no deductible. With State Farm, for $400 replacement cost coverage it will cost $28 per year.
The coverage is for loss or theft, not for warranty issues. Understand this.
If you aren't familiar with a Personal Articles Policy, it is an add-on to your homeowners, which allows you to list certain classes of personal items and pay a specific premium based on the value. Loss or theft is then covered with no deductible. Different items are billed at different rates, and State Farm charges $7 per $100 of value for cell phones. Thus $28 per year for a $400 iPhone.
