Phone Insurance Or Applecare. Once you buy your shiny new iphone from an apple store, you might get pushed to opt for the applecare. All apple products start with one year of applecare phone insurance.
I also think the deductible for the at&t plan is much more than the apple care fee for repairs for accidental damage. Applecare limits you to only (2) claims per 3 year coverage period with $100 deductibles for damage and also requires all repairs be done at an apple store. Speaking with at+t they suggested at+t insurance because they offered everything that applecare offers and they include loss or theft.