i just ordered a policy from http://www.collegestudentinsurance.com/ and i thought it was a good deal, so i thought i'd share. i got $2000 coverage (should be plenty for my macbook pro, iphone, and textbooks -- all that really matters i think) for $60 a year with $5 processing fee and NO DEDUCTIBLES. the site and policy (http://www.collegestudentinsurance.com/CSIPolicy.pdf) all make it clear that accidental damage is covered, and i even called up and confirmed that if i dropped my iphone, it would be covered. am i missing something? it seems like a solid deal for me. oh and it also covers theft, which is probably very important for college students.