Smashed iPhone 4 image credit: Flick user bschh

AT&T has added Apple’s iPhone to their mobile insurance program (via MacRumors). As of July 17, customers can have a piece of mind for just five bucks a month. The coverage protects the iPhone and your other wireless investments on the AT&T network  from theft, loss, accidental damage and electrical failure beyond Apple’s standard warranty. In an unfortunate case that your handset is stolen, lost or damaged, you will be eligible for a replacement handset with the deductible ranging between $50 and $125 per claim and provided you file no more than two claims withing twelve consecutive months. The new insurance planis replacing the previous insurance option which has been specific to iPhone customers. From AT&T’s mobile insurance page:

Effective July 17, 2011, the Apple iPhone (all models) will be eligible for coverage with the AT&T Mobile Insurance program (formerly Wireless Phone Insurance). Enrollment restrictions apply. Customers can only enroll within 30 days of a new activation or upgrade, prior activations or upgrades outside of 30 days are not eligible.

As MacRumors noted, folks can also consider ditching AT&T’s insurance plan and rely on Apple instead because the company “is known to replace accidentally broken and out-of-warranty iPhones for a flat $199 repair fee, though this doesn’t cover loss or theft”. You should also remember that some cases are not covered by neither company’s insurance or warranty polices, such as liquid damage.

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