I would like to know what option you chose to protect your iPhone in the event of a fatal accident. Having my iPhone with me all the time makes me too nervous to go unprotected, and using it in the field at work is just plain scary. I used to have Geek Squad Black Tie Protection, which was nice with no limit to claims and no deductible, but having to use a loaner phone for 3-5 days really sucks. This year I decided to go with Apple Care+ as the appeal of getting a new iPhone back right away at any Apple store is worth the $50 to me in the event I break it (although I would love to never have to use it). What option did you choose?