update.. this just taken from online chat through AT&T...
Ellen Gravett: Welcome to the AT&T Live Technical Support Chat. My name is Ellen I will be happy to assist you with any Technical issues you may be having today .
brian: for the iphone 3g i am switching to your company.... i am curious about the insurance for the iPhone.. how much will it be per month? also, how much will text messaged be avaliable for?
Ellen Gravett: Here is a link that has some helpful information for you about the iphone.
Ellen Gravett:
http://www.wireless.att.com/cell-phone-service/specials/iPhone.jsp
brian: ok thank you
brian: but could you answer my questions?
Ellen Gravett: This is a Technical support Forum, we have limited information on the iphone. The insurance for the phone is 4.99 per month. The texting plans are different prices.
brian: just verifying the insurance option
brian: and would be how much for a new phone with my 4.99 a month?
Ellen Gravett: I have just checked with the Insurance carrier and the Apple iphone is not insurable, so you would not be able to add the insurance to the iphone.
brian: so what happens when it is stolen? seriously, do i have to pay full price for it? why is there no insurance?
Ellen Gravett: The Insurance company choose not to insure that phone at this time. I do not know why it is not covered. You would have to pay full price to replace it unless you were eligable for an upgrade at the time or could get a refurbished one if it were available.
brian: thank you for the clarification