Great research from TUAW:
Insure your iPhone, because AT&T won't - The Unofficial Apple Weblog (TUAW)
... I decided to call a few insurance companies in the Colorado area to see if they could cover it. What many people might not know is that these companies typically cover electronics like mobile phones and even notebook computers, often at prices far cheaper than extended warranty plans from manufacturers and retail stores. While I'm not entirely familiar with how fast actin' or comprehensive this kind of coverage is from every provider, I do know that mine - State Farm - will cover both hardware failure and accidental damage (though accidental damage will cause my premiums to increase, while an incident like theft will not).
Back to getting coverage for your shiny new phone, however, the summarized rundown I got from calling three of the big general insurance providers (Allstate, Geico and State Farm) is that attaching a clause to a renter or homeowner insurance policy specifically for covering an iPhone would add only $5-20/year to a policy. Keep in mind these were estimates based on a $600 iPhone, and it appears that you can't simply ask these guys to insure a phone; you need to have some kind of a primary policy with them first, then attach this specific clause. Surprisingly, every representative I spoke with knew exactly what an iPhone was, and a couple of them asked me whether I was happy with mine.
I admit, I've been lax. I haven't been insuring my laptop with my homeowners insurance. I need to do that, and if/when I get my iPod do that too. Thanks TUAW.
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