I am in Arizona too (Tucson). Please let me know if you find other solutions. I tried with State Farm and they will not cover it in Arizona.I guess I should have read the first post more carefuly, else I would never have even bothered to check out the Website.
Unless I am missing something this plan is $60 for essentially a warranty extension to 3 years (seems fair). But adding ADP adds another $90--bringing the cost to about 1/4 the price of an iPhone itself.
But if I wanted to use ADP there would be a $50 deductible too--making it nearly 1/3 the cost of the iPhone. Color me a risk taker but for $190 I ain't buying!
I live in AZ and will see what I can do with my HO's policy. I can see paying $50 or so per year. I doubt I'll have this iPhone for much more than a year anyway. While I realize I could get a refund from Square Deal I don't like having to do that.
IMHO, YMMV, etc., etc.
Also, I called the company back (SquareTrade) and was told they do in fact cover the iPhone and there is the option for Accidental Damage Protection. The total cost for 3 full years (if you paid $645 for your phone including tax) is $160.99. Sounds expensive, but that works out to $4.47 per month (cheaper than most plans from phone carriers). Yes there is a $50 deductible, but that is usually the same with phone carriers as well.
The guy did tell me that under the accidental damage protection plan negligence is not covered. My issue is, wouldn't dropping the phone on the ground constitute negligence?
One more thing: When I questioned the guy as to whether or not I can get the accidental damage protection since it has been over 30 days from date of purchase he said yes. I told him the site wont let me unless I altered the date of actual purchase to reflect under 30 days. He then said to go ahead and alter the date and include in the comments section my actual purchase date. He even checked with someone else and said he confirmed that was fine!
Here is a letter they sent me after the call:
Thank you for contacting SquareTrade.
We appreciate your interest in SquareTrade's Accidental Damage Protection coverage, "ADP" for short, and the simple answer is yes, a Care Plan with ADP is available for any iPhone bought new with a 90+ day factory warranty.
ADP covers eligible items from liquid spills, drops, or any other accidental damage from handling. Adding ADP to your Care Plan costs an additional 15% of the item's price (on top of the base Care Plan cost) for laptops and cell phones, or 10% for all other items.
ADP coverage starts 30 days after date of item purchase, and does not cover pre-existing conditions, willful damage, negligent use, theft or loss.
Accidental Damage Protection cannot be added after the Care Plan has been purchased. SquareTrade does NOT offer ADP together with any other options (such as a 4th year of coverage) at this time.
There is a $50 deductible when claiming accidental damage; issues determined to be normal-use mechanical or electrical failures are covered under the standard SquareTrade Care Plan terms, and are not subject to any deductibles.
Hope that answers all your questions! If you want to learn more about getting low cost, high value protection for all your electronics, feel free to email again or visit us at http://www.squaretrade.com/pages/view/learn-more-warranty-buyer
Hope that answers your question! If not go here. You can also reply to this email or call 1-800-649-5307 (US only) weekdays between 6 a.m. and 5 p.m. PST.
SquareTrade Care Specialist