So, I upgraded my iPhone 3GS to a 4S and received it on launch day. I opted out on not getting Applecare Plus and decided I would go through my phone carrier (AT&T). Well, to make a long story short and fast forward to 1/30/12, it dawned on me that I was still uninsured. So, after 2 calls to AT&T and a little lying, I convinced them to let me add insurance to my phone. I was just wondering, how many of you have insurance on your iPhone either through Applecare Plus or through your phone carrier. If you do not, why not?