What is the best "insurance" option for an iPhone?

Hey all. So I'm almost at the point where I can finally afford getting myself an iPhone and I definitely don't have the funds to be able to replace it if something were to go wrong. So I'm wondering what is the best insurance plan for an iPhone? I'm not the clumsiest person, but I have been known to drop a gadget every once in a great while and I definitely don't want to break an iPhone.
Apple obviously has AppleCare, but that doesn't cover physical damage. I know Best Buy's covers accidental damage, but that's 15 bucks a month...more than I'd like but that's a nice incentive. Are there any other good options that would cover physical damage? I used to work for Best Buy and I've never had any trouble with their BTP plans, I'm just not a huge fan of the idea of paying 15 bucks a month. Any other plans I don't know about?

Safeware http://www.safeware.com/ specializes in laptop, etc coverage, including smartphones. I bought a laptop policy from them around 2002, but since I never had to claim on it, cannot speak as to their customer service or anything. A google on "smartphone insurance" may turn up more specialized companies.
I recently noticed, and it was total news to me, that one of those credit cards I picked up in college for the free t-shirt and have had for 10-15 years, includes insurance coverage for my mobile phone. This particular card is branded AT&T and doubles as a calling card, and I'm guessing that's why. I haven't checked into the details, but people might keep an eye out for something random like that.
I should ask my renter's insurance about the phone.

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