If you have an iPhone 4 32GB and say you drop it in a pool (not that I did) if you go to Apple do they replace it for $200.00 or $300.00? My question is without insurance since Apple and AT&T do not offer it, what is the cost to get a replacement from Apple? Just bought two 16GB iPhone 4's for my sons and just want to know in case they drop them or break them, what the cost is to replace. Also Applecare just adds 1 year to the standard Apple 1-Year warranty for defects and MFG issues only correct? I do not need to pay someone for insurance, from what I read on here I could essentially pay $120-$200 per year for insurance, which is not worth it.