Good luck on getting insurance on the IPHONE, before you go to the ICRAP look at teh Instinct. The phone is only as good as the network it is on. ATT SUCKS and always will. 3g is a very limited market for ATT. So beware before you buy. Honestly the phone would be better if it had a better network to support it. GSM TDMA is SOOOO 1980s. lol