FILE - In this June 24, 2010 file photo, Piotr Kubiak of Oakland, Ill., shows off his new Apple iPhone 4, outside of an Apple store, in Chicago. Absent-minded iPhone users can now insure their device against loss or accidents. But with high monthly fees and deductibles of $199, it might make more sense to just learn to be careful.(AP Photo/Kiichiro Sato, file)AP – Absent-minded iPhone users can now insure their devices against loss or accidents. But with a $12 monthly fee and a $199 deductible for the latest model, it might make more sense to just learn to be careful.

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