Its true, Mr. I AM A PC license plate bought an iPhone. However its become obvious that there can be a biased review on this product. So I’ll make a series of post reviewing what I love and hate about this phone. However step one is something that I think everybody needs to know about the iPhone. How to protect your investment.
An iPhone is a pretty big investment for a phone. I figure mine has a 50% chance of making it through my two year contract. So when I went to my local AT&T store to buy my phone I first inquired about insurance for the phone. The sales person tried to sell me the ‘Apple Care Program’. So I asked if this would cover if I dropped the phone and the glass cracked, he said no. Then I asked if AT&T sold anything that would protect it, and he again said no. He then tried to tell me that Apple will replace it if you go to the store, but I took that with skepticism.
I went to my local Apple store and asked them and they confirmed my skepticism. While 
there are exceptions to be found on the internet, the corporate policy of Apple is that only manufacturing defects are to be replaced. So the Apple Care Program was not worth the money they wanted for it.
However while at the Apple store I bought an incase wrapper for the phone. It is a rubber case that allows the iPhone absorb a fall a bit more. It cost $30 but for me that is well worth it when the phone cost $399.
Then if you are interested you can buy a cover for the glass that protects your screen from scratches. Some of these are like 2 for $10. However years ago I learned a little secret. You can go to your local craft store and buy a roll of vinyl for next to nothing. I bought a role of this vinyl which could likely be cut into 20 covers for 56 cent. In my local store I found the vinyl cover next to all the cloth that you can have but to size. It is on the same roles as those fabrics.
Finally I had to resolve the insurance issue. After a search on the web I found two options. The first being a rider on my home owners insurance. I looked into it, asking the following two questions:
1. What is the cost?
2. Is it a chargeable claim? Basically if I make a claim will it hurt my rates on my home owners insurance.
The cost was cheap. $10 per year. However it was a chargeable claim, so not something I was willing to do.
Then I found SquareTrade.com For $96 I got a two year insurance plan with a $50 deductible. This is a must have for any iPhone owner. It has a 30 day window in which you can’t make a claim, so take care of your phone for that first month.