I've been trying to do some research via Google but thought perhaps MacRumors members might offer real life advice. What are your thoughts about AT&T phone insurance (which covers loss) vs. Apple Care? Apple care seems a bit less expensive but you're out of luck if you lose your phone. Also, Apple Care has lower deductibles. Can people share their experiences with the two? Right now I'm leaning towards AT&T's insurance. Although the deductible is higher the odds I lose my phone are probably about the same odds as breaking my phone.