Do you think you would be able to purchase Apple Care for the iphone through Verizon or go through Apple? I don't know how ATT has been doing this. It makes more sense than going with the insurance that VZW offers.
Yes, you can get AppleCare - it will be $69 to extend warranty to two years... they may also offer Asurion for loss/theft protection - have'n seen info on that one yet.
Keep in mind ALL AppleCare does is extend the warranty it's not insurance ..
If I've said it once, I've said it a million times... add it to your homeowners/renters insurance policy... 9 time out of 10 they'll insure it... they'll ask for an amount, make sure you include the sales tax on top of full retail price, just had to do this for my gf's phone... worked like a charm, and if by chance they wouldn't
State Farm Personal Effects Policy $39 a year, no deductible