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Apple does not offer any insurance plan that would replace a phone that is lost in a lake. It does offer AppleCare+ which covers accidental damage repair for a small fee but does not cover a lost phone. See: AppleCare+ - iPhone - Apple
AT&T does offer insurance plans that cover lost phones. See: AT&T® Official - Unsupported Browser Page
If that is what you have, they use the following site for filing a claim: http://www.phoneclaim.com/att/
Apple does not offer any insurance plan that would replace a phone that is lost in a lake. It does offer AppleCare+ which covers accidental damage repair for a small fee but does not cover a lost phone. See: AppleCare+ - iPhone - Apple
AT&T does offer insurance plans that cover lost phones. See: AT&T® Official - Unsupported Browser Page
If that is what you have, they use the following site for filing a claim: http://www.phoneclaim.com/att/
I'm need help with getting my iPhone replaced do I need to come there to the store iv called att. Says the iPhone is on apple its need four working with apple
