IPhone Insurance From Verizon

Good morning, just got this iPhone 5 2 days ago and signed up for the monthly insurance coverage. I was wondering, is this necessary being that apple offers a one year product warranty, do most of you guys get this insurance or is it overkill. For my desktops, I usually get the extended warranty towards the end of the first year, is this practical for this "smart phone?"
I am thanking anyone in advance for any comments

Depends on what you are looking for.
Apple Care Plus does NOT cover lost or stolen phones.  They do cover dropped or broken phones with a reasonable deductable.
Verizon does cover lost or stolen phones, but the deductable is very high.
Here is another discussion: https://community.verizonwireless.com/thread/781958
My phone is covered for being lost or stolen through my homeowners.

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