So, not to beat a dead-horse (no animals were harmed in the making of this post) but I'm reading tru the posts in this thread and it is a bit confusing. Been with the Big V for a long time now and have had the insurance tru them for the last three phones. For all around coverage of the new iPhone 4s that I'm receiving any moment by FedEx, what "actually" is the best insurance coverage, in house with VeriZon or A+ or one of the other carriers?? I've only had the in-house insurance and used it once on a BB-Storm2 without problems and no out-of-pocket expense.