I lost my iPhone would the carrier replace it?

I bought without a contract and lost it, wanted to know if Apple or At&t would replace it?n
Thanks for the help!

If you purchased the AT&T iPhone insurance ($6.99/$9.99 month) AND you pay the $199 replacement fee, yes you are covered by AT&T (not Apple).
-> http://mobileprotectionpack.att.com/pricing-enrollment.html

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