Hello. I have State Farm insurance and my policy will cover stolen phones, 
however they have a specific mention of iPhones where they do not cover those. 
Kind of sad really.

On Feb 19, 2013, at 1:05 AM, Sieghard Weitzel <[email protected]> wrote:

> Hi David,
> 
> One aspect of Apple Care that was mentioned is the ability to call Apple
> technical support beyond your first year without having to pay extra.
> However, strictly from a warranty point of view there are other options.
> Square Trade, for example, does also offer an extended iPhone insurance plan
> which is I believe a bit less expensive than Apple Care and it covers more.
> One thing to keep in mind is that Apple Care does not cover your phone if
> you jailbreak whereas Square Trade does. I also don't think that Apple Care
> covers your phone if it is stolen or if you actually break it by dropping it
> into water or on the ground where you end up with a shattered screen.
> 
> I actually have Apple Care, but I also added my iPhone to my home owners
> insurance. It is listed as a separate item with serial number and all and my
> normally much higher deductible does not apply, it has a $100 deductable.
> The actual cost for having it insured that way is about $30 a year and the
> insurance would cover anything that could happen to it from it being stolen
> to me breaking it because of some accident or carelessness. I paid $850 for
> an unlocked 4S without contract, so to me it's worth the extra $30 a year
> and whenever I get a new iPhone all I have to do is let them know and
> provide the new serial number. I think it's definitely worth asking your
> insurance company about this if you have home insurance.
> 
> 
> Regards,
> Sieghard
> 
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