What is the general concensus on the best company to purchase all-encompassing insurance from? I have checked with my homeowners provider and they will only cover it up to 2000 dollars with a 1000 deductible. I can put a business rider on it for 256/year, and that would increase the coverage to 10000, but that would only cover on-premise loss and still a 1000 deductible.. I want a policy that I can renew every year, covers the full replacement cost of the device to the than current models, maybe a 100 deductible and encompasses everything without hassle. Falls into a lake, or pool, falls out of the car, lost, stolen, damaged in any way, that sorta thing. I did get Apple Care so I am not worried about warranty coverage, I am worried about loss outside of Apple Care. The stuff I can't plan for or imagine really. Suggestions?.