here's an interesting read, although I'm not sure the date of this article
http://www.bankrate.com/brm/news/ins...surance_a1.asp
You could probably also call your auto insurance agent and see if they can cover a smartphone... I'm going to contact mine and see what's up... I know they covered my daughters laptop from school and I only paid $38 with no deductible!
My insurance agent doesn't offer Smartphone insurance