$219.10 -- Another alternative insurer, Worth Avenue Group charges a one-time $89 a year for the iPhone 4S, and covers up to three years for a discounted $240.30, plus a $50 deductible. The contract covers the usual accidental damage, plus loss, theft, tornados and vandalism. But it doesn't cover data loss. Read the fine print at Worth Avenue's Web site. $308.99 -- Ensquared also offers a plan that includes damage plus lost and stolen phones, but it will cost you. With a one-time fee of $129.99, the plan charges $179 per claim. It doesn't cover abuse or loss of data and you can make up to 3 claims. Read the fine print at Ensquared's Web Site. $311.76 -- Assurant Solutions is a newcomer from the UK that made a splash last spring with its "Protect your bubble" insurance for gadgets, pets, travel and rental cars. Its iPhone plan, at $7.99 a month, covers damage, loss, theft and "mysterious disappearance." It charges a $120 deductible for each iPhones claim (less for other smartphones) and allows two claims within 12 months. And it throws in "credit monitoring services," if your phone is lost or stolen, and offers a 10 percent coverage discount for additional devices. Read the fine print at Assurant's "Protect your bubble" Web site. $366.76 -- The original iPhone carrier, AT&T ( T), offers a full-service iPhone coverage plan for $6.99 per month, plus a $199 deductible per claim. It covers loss, theft, damage and out-of-warranty malfunction. You can enroll within 30 days of purchase and make up to two claims in 12 months. A more exhaustive plan, the new Mobile Protection Pack, adds extra support (setup, personalization) and service for locating and locking a wayward phone for $9.99 a month. Read the fine print at AT&T's Web site. $408 -- Verizon ( VZ) lands at the top of the price pile by charging $9.99 a month for its "Total Equipment Coverage." Add in a $169 deductible per claim -- up to two every 12 months -- and iPhone insurance will cost $8 more than the priciest iPhone available under contract. Read the fine print at Verizon's Web site.