Insurance for Your iPhone

Three days ago I dropped my iPhone for the first time. My hands were full and in an attempt to slide it into my pocket I dropped it on asphalt. I cringed as it hit and then bounced, landing screen side up (whew!). As Apple promised, it withstood the drop well and came away without so much as small scratch. But a nerve had be pinched and I wanted...no needed insurance. For me it is really more than a phone. It is almost a mobile computer away from my computer.

And more importantly it is the worlds best toddler distraction when in the car, grocery store, hardware store, or (insert location here). Brody (who is not quite 3) knows how to start the iPod and watch Cars or some other movie, and has just recently figured out how to use YouTube. In preventing him from watching whatever he clicks on I've bookmarked a bunch of YouTube cartoons for him. He still never fails to end up watching some strange cartoon clip with graphic rap lyrics a full volume. It's like he knows exactly how to find it, crazy.

Seriously though, let's get to the point. After searching the web I found some insurance companies will cover the iPhone. I quickly emailed Jayme (my all star All State agent) and asked how much it would be to cover my iPhone, laptop, and a few other ancillary items that I carry in my mobile office. Get this...$79 bucks per year. I already feel a sense of comfort.

I couldn't get less than a $250 deductible, but $250 is better than paying $400 for a new phone (or $2000 if it's my laptop). $79 is pretty cheap for peace of mind.