Become a MacRumors Supporter for $50/year with no ads, ability to filter front page stories, and private forums.
Agreed, $15 a month is a ripoff, but I wouldn't try and cover it with my home owners insurance.

3 iphone claims may affect your coverage.

Ask your insurance agent and they will tell you don't be silly.

3 iphone claims and a lightning strike. can you guess which one wasn't covered. My friend knows.
 
Register on MacRumors! This sidebar will go away, and you'll see fewer ads.