iPhone replacement insurance

I live in the Uk. And my bank offers mobile insurance so i insured mine and my wife's iphones for nothing.

I don't believe at&t's 3rd party insurance carrier covers any phones that at&t carries or sells that are in the smart phone or PDA category.

That is correct... they advise that you go thru your home insurance (my deductible is $500 on theft, etc, so that's no help)... and they also recommended American Express, but for those who purchased their NEW AFFORDABLE 3G with a Check, Visa or Master Card, it's a little to late... unless you can do so by transferring your other cards balance to AMEX?? but I believe you can only insure at time of purchase?

Doesn't Apple offer a program.. not sure what it is called.. I think it cost about 69 dollars. Maybe called Apple care plan or something, for two years which will replace the phone if lost or stolen or damaged. Am I correct on this?

AppleCare is not insurance and does not cover if the phone is lost or stolen. AppleCare is an extended warranty.

*"Are there any good options for replacement insurance for the device?"*

Just call your homeowners insurance agent and open a personal articles policy. Should be dirt cheap.

Or try a warranty from http://www.squartrade.com. They'll cover accidental damage, and they're reasonably priced.

Squaretrade is awesome. I have several electronics things at home I've covered with them.

Be careful to those with AppleCare -- as stated above, it is NOT insurance -- it is extended warranty for one additional year and it does not cover damaged or stolen iPhones that are your fault.

One caveat -- There is usually a minimum amount for some insurance companies to cover you on Personal Articles Policies -- some companies call these "jewelry riders" and other assorted names. For my homeowners insurance through Nationwide, you have to have a minimum value of 500.00 -- my old 599.00 1st Gen iPhone was covered -- my new 3G iPhone is not. -- the way it was dirt cheap last year - it cost me 29.00 for the entire year as an add-on to my homeowners/fire insurance.

BY the way ATT DOES NOW COVER smartphones, but it does not cover all of them. The iPhone is one of their smartphones that is not covered. Neither is the TIlt. It seems to go by screen -- if you have a glass touch screen that can crack it isn't covered by ATT insurance. The Tilt, The Treo, the iPhone are not covered -- the Blackjack and their other HTC and Samsung smart phones and Blackberries ARE covered by insurance now.

Then call your insurance company. I just got a quote from my state farm agent about my 16GB iPhone...$40 for a year and it covers damage and lost item.

I wonder why my state farm insuranc told me they would not cover my phone? They said cellphones get lost or stolen a lot so they wouldnt cover them.

When I was on VZW with my 700p they asurion covered it...I know att is different...but it seems odd with the cost of other "nonsmartphones" and the price drop they wouldn't want an extra 6 bucks a month from everyone...who knows who actually made the decision though.

Verizon's 3rd party insurance carrier, which may or may not be the same as AT&T's carrier, covers certain phones in the smart phone or PDA category or all such phones for Verizon subscribers, and AT&T's carrier doesn't for whatever their reason or reasons.

I think we figured that one out by now allan, but um, ya, thanks for chiming in...

I think we figured that one out by now allan,

Based on the following included with your previous response, apparently not at the time that you posted it.

but it seems odd with the cost of other "nonsmartphones" and the price drop they wouldn't want an extra 6 bucks a month from everyone...who knows who actually made the decision though.