Ask Slashdot: Best Protection Plan For Your Phone?

First time accepted submitter nastav writes "Now that I'm eagerly awaiting the delivery of my new shiny iPhone 5, I'm faced with a dilemma — SquareTrade, Applecare Plus, or some other insurance option? I have used SquareTrade in the past for iPhone 3GS and iPhone 4 (I skipped iPhone 4S). It provided Accidental Damage Handling (ADH) for iPhone before Apple introduced it's own version of ADH. I've had the opportunity to file claims with SquareTrade multiple times, and they handled it quickly and professionally each time. Now that there is a product from Apple itself, I'm not sure which one to get. They are priced similarly ~$100 for a 2 year plan, $50 deductible for each ADH incident) Apple limits the number of ADH claims to 2, whereas SquareTrade (AFAIK) limits the number of claims to the 'value of the product', which translates to approx. 600 USD in coverage (or about 4 ADH claims). I've tried reading many comparison articles on the internet without definitive answers. I'm hoping that ...

adh afaik apple applecare discussion insurance iphone opportunity options plus protection slashdot squaretrade usd