Thats true and i have thought about that especially getting closer to the end. i have heard of people keeping ipods, blackberries and computers that long so why not the iphone. plus. i have had a motorola v360 for over 2 years so an iphone should last longer.
it will definitely last, heck you get a few years warranty with the thing, and then you can add more. they are just trying to get their money, if they thought it wouldn't last, they wouldn't have extended warranties. The question is, will YOU want it to last? I still have a PowerMac G3 that hasn't been plugged in in 6 months. Before that it was 2 years. It still runs GREAT, but it runs Powermac G3 great. It can't hold a candle to my MacPro quad. Are you gettin what I'm sayin?
another question. How do you add it to homeowners insurance?
I have a bit of experience with insurance, and before I get into it, I am totally biased and think insurance is a TOTAL scam that we are all required to have.
Now that is out of the way...
You probably don't even need to add it to your homeowners, there should be a small electronics clause in your policy. It may be written in as $1000, $500, whatever. Check to see if you have that first. You can call you insurance company, do not give them your name and just say I have this insurance plan with you, does it come with any small electronics protection or anything like that?
Now, the problem comes in. Say you do have insurance for your phone and it gets stolen. What is your deductible? Mine is $500. So that blows it right there, just buy a new iPhone and be done with it. Say your deductible is only $100. You would be WAY better off spending the extra Benjamen's to just buy a new one, because if you make a claim, you still have to pay the $100, AND your insurance will go up. Depending on the company, and the mood of your agent/rep, it could go up enough in one year to have made it cheaper to just buy the iPhone outright.
Basically, say you are paying $1000 for insurance. You make the claim, pay the $100 deductable for your phone. They raise your rates $125 for your next renewal. Now you are paying $1,125 for insurance. Since you already put in the $100, and now owe an extra $125, that's $225 you've paid in. but the kicker is, you have to pay that extra $125 a year forever (or until you get a break in your rates)
The lesson here is, don't claim anything on insurance unless it is a big ticket item. In the grand scheme of things, the iPhone is not a big ticket item. And never tell them your name if you are inquiring about if something will make your rates go up or about adding something, because once they pull up your account, they will know you are thinking of doing something that could raise your rates, and then they will. Scam, end of story.
) so its not in the app store.
