What are you doing for insurance?
If a mod thinks this belongs with the Applecare thread, feel free to move this ...
OK, so what are you all planning on doing for insurance on your phone? Since you can't buy the insurance from AT&T and Applecare doesn't cover loss or damage, I'm not sure what the appropriate route to take is. I called my insurance company. If it were stolen from my home it would be considered personal property and covered under our homeowner's ... but the deductible is the same or more than the cost of the a replacement phone so that makes no sense. I can get coverage—$30 a year— that covers it being stolen out of a locked trunk, but that is totally useless.
Frankly my main concern is damage, more than loss or theft, and as of now I've not found anything that covers that. Am I missing an option here? What are people planning on doing?