Apple store vs verizon

I am buying two iphone as gifts for my wife and and daughter. I am not sure whether to buy them through the Apple Store or through Verizon which is where I have my preesnt iphone. Verizon charges $7 a month for insurance and I think the Apple Store charges $150 for the year. Has anyone resesearched it out or know the pro's and con's.
Thanks

I can't think of any significant difference if both stores are in an equally convenient location for you other than if you plan to purchase AppleCare +, it might be slightly more convenient to buy the phone at the Apple Store and buy that at the same time. http://store.apple.com/us/product/S4575LL/A/applecare-for-iphone

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