Insure your iPhone, because AT&T won't

actually insurance companies will not insure the iphone fully. I spent some time looking into it and found out that my iphone is covered only up to $250 after the deductible. insurance companies exclude cellphones from insurance policies because they are so frequently damaged or broken. but because it also is an ipod they will cover it up to $250. that is allstates offical policy and most other insurance companies have the same. I would call your agent and make sure that it is covered because if something happens they won't replace the entire cost of the phone.

Gotta love the "unofficial" Apple spin zone.

How about this article title reading "Insure your iPhone, because Apple won't!" or "Don't insure you iPhone with AppleCare, because it sucks!"

That's too bad about the iPhone but also not surprising given Apple's ridiculous battery swap-out plan. Not that I don't love Apple, because I do, to death. But at least with my Verizon blackberry I have insurance AND the option of an immediate battery swap out 400 charges or so from now.

What I wouldn't give for an unscratchable screen and safari web brower NOT on EDGE, though...oh man.

My Kyocera 7135 is insured through my carrier, at $8/month, but that's specifically because it's a smartphone and therefore more expensive than other handsets-the ordinary insurance is $5/month. I fully expect to be able to do the same when the iPhone is available here, despite apparently having to switch carriers to Vodafone.

I've had a Treo with Sprint for about three years and their $6/month insurance covers it just as it does any other phone they offer. Just picked up a new Treo 755 which costs $579 new and the insurance carried over just fine. (I can't switch to ATT for several reasons at this time.)

Not sure why there was an assumption to the contrary.

I signed up for a policy with State Farm. Their underwriter said that it would be $6.50 per hundred dollars worth of coverage for the iPhone. I wanted it covered for the full $600, so it came out to about $38 a year. I think this is a fine price, but the insurance agent told me that I would be dropped from the policy if I ever filed a claim. Therefore, this is a one-time deal. That stinks.

I hope that if I ever have to file a claim this doesn't also tank my ability to eventually get good homeowners insurance.

Did some research after reading this and found that Square Trade, the same ones from eBay do offer insurance policies on items you did not purchase from eBay. I have not applied as yet but the claim to be close to 50% cheaper than other services and also that they will fix it or give you a new on in 5 days. Worth checking cause I know a lot of you like me would like to protect your investment...nothing hurts like having to cough up another 600 to replace a phone you just dropped.

That's odd... I've had smartphones for many years with Sprint, and they've always covered them. I know this for a fact because I've used the policy to have them replaced before...

on a lighter note, as well, this now opens up the real possibility of iPhone financing, since you can insure them...

John Sample:
for some reason, I find it hard to believe that filing a claim with a $100 deductible on a $600 replacement-value item will have much of an impact on your big homeowner's/renter's policy... maybe $5-10 a year, if the insurer is feeling particularly thief-ish.