Apple iPhone
Insurance Options
apparantly they cover electronics articles over $300...it costs me $35 a year and you just need to call your local agency, i went through 3 before i found a person that knew what i was talking about with this after i read about it somewhere.
it covers absolutely everything besides the phone malfunctioning itself, which is why its a good idea to buy applecare, but you can even run your car over your phone, no questions asked state farm will cover everything, even theft/lost water/fire damage etc.