I'm currently with AT&T and they offer insurance not only for one smartphone, but also for your family. I'm debating between Applecare plus and At&t's. I like the fact that At&t covers lost and theft, but I also like that the deductible for cracked screens under Applecare Plus is only $29, I believe At&t's would be about $100. What kind of insurance do you recommend? have any of you had any experience with At&t insurance (submitting claims, receiving your replacement phone, etc)?