iPhone 4S Insurance options compared
With the release of the iPhone 4S, apple also released AppleCare+ for $99 that would cover the device for 2 years and allow for up to two replacements due to accidental damage for $49 each. But there are other options too, such as carrier based monthly fee insurance (that could even cover lost/stolen devices). This article from Digital Trends will go over all your options, including some 3rd party ones so you can make a decision on which is best for your situation.