Ins for iPhone?

[Afbar1114]

I currently have a VZW iPhone 5 and I am wondering if I should get rid of the ins and buy square trade I do have apple care+. I am seeing if its worth me having the ins? At $9.99 a month + a $200 deductible if I need it comes out to $440 for two years. I have never lost a phone or had one stollen so idk if its worth it.

 

[GoCubsGo]

VZW Insurance doesn't seem worth it. What does Square Trade offer on top of what you already have (AC+)? Why the need for both?

 

[Afbar1114]

VZW ins covers lost and theft