Iphone verizon insurance vs warranty??whats the difference?

I have an iphone 4s and i want to know what the difference is between having verizon insurance or having a warranty on my phone...the warranty expired but i have insurance..do i need to renew my warranty?? Or is insurance enough?? HELP.

Read for yourself:
http://support.verizonwireless.com/clc/features/calling_features/equipment_prote ction.html
If Apple's regular warranty has expired on your phone I believe it is too late to purchase AppleCare.
The Verizon policy includes being "lost, stolen, or damaged".  ApplecarePlus covers damage within limits but not being lost or stolen.  In that regard the Verizon plan is really insurance.
I don't have either so I am just providing an analysis of things you can also read on the web.

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