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Insurance for I phone 5

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I'm considering getting an I phone 5. It's expensive enough as it is, but then I realised that given the cost, perhaps insurance is worth it too. I know that there are various bank accounts of sorts, which include phone insurance thrown in in the premium. I was wondering if anyone has a recommendation as to an economical way of insuring the phone, either by stand alone insurance, by something like a bank account with phone insurance included, or something else, or not to insure at all.

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