This is a guest post by Stephen Ebbett

If you have a new iPhone 5, Android smartphone or other mobile device, watch out — you may be targeted by electronic device thieves. It’s a growing problem: The FCC reports that 30 to 40 percent of robberies in several major U.S. cities now involve mobile phones, and the spike in thefts of Apple products like the iPhone and iPad has inspired a new nickname for the crime: “Apple picking.”

Related: Our reporter was mugged in San Francisco. Read her safety tips here.

There’s a growing black market for stolen mobile devices, with crooks following supply and demand trends just as legitimate merchants do. But there are ways to safeguard your investment in mobile devices like the iPhone 5 — and protect the vital personal data stored on your smartphone.

Here are five tips to help you prevent thefts and beat mobile device thieves at their own game:

1. Don’t leave your smartphone unattended: No one would leave $700 on the table while going to the coffee shop counter to pick up an order, but people leave their shiny new mobile devices unattended all the time, providing a golden opportunity for thieves. Don’t make that mistake.

2. Install a tracking app: Both Android and Apple smartphones offer free tracking apps you can install to help you recover your device if someone steals it. The apps allow you to log onto another device like a laptop or tablet and track your missing device’s current location.

3. Be aware of your surroundings: Treat your iPhone 5 or other smartphone like you would a wallet – chances are it is more valuable than the contents of your billfold! Avoid handling it in unsafe areas, and keep both hands on the device to thwart thieves when you do have to display it in public.

4. Make sure you set a passcode: You probably have a lot of personal data on your smartphone – including private messages, contact information and even mobile banking data. This can be a bonanza for thieves, but you can stop them in their tracks with a simple passcode.

5. Ask your carrier for help: If your smartphone goes missing and you are unable to track it through a GPS app, your wireless carrier may be able to help. Contact customer service immediately and ask them to help you recover your phone and protect your personal data.

As long as there’s a black market for stolen smartphones, thieves will target them, so it pays to be prepared. Your new iPhone 5 or Android device is a big-ticket item, and if you are protected by a warranty only, theft may not be covered at all, and it’s likely you’ll have to pay much more out of pocket to replace your device than the original purchase price.

Stephen Ebbett is President of Protect Your Bubble, a new kind of insurance brand that understands that 21st century lives are busy and complicated and offers an online service that makes insurance simple and uncomplicated. The company offers a range of insurance products, such as iPhone 5 insurance, that has been specifically tailored to offer protection in a fast changing, modern world, so that customers are prepared if the unexpected happens, with the coverage and support they need in place and immediately available. 

Stolen cell phone image // Innershadows Photography, Shutterstock

I must have appeared to be the safe target: In one hand, I carried an expensive-looking tote bag, and in another, a pair of strappy sandals I had planned to wear to a holiday party that evening.

Within minutes of ascending from the BART station, the small gang approached me. From the corner of my eye, I caught the glint of a small metal object. The oldest in the group, a skinny teenage boy in a wool beanie, demanded my cellphone. To his unabashed delight, I handed over a brand-new iPhone 5; satisfied, he and his pals scuttled off into the night.

In San Francisco, a city filled with commuters and tourists, iPhone owners are walking targets for thieves. According to the National Mobile Phone Crime Unit, a cellphone is involved in over half the street crime in the United States, a statistic that is likely far higher in the Bay Area. We frequently pull out our smartphones to check email, get directions, or play music, totally oblivious that we’re putting ourselves at risk for petty and violent crime. These devices are so ubiquitous, and we rely on them so much, that we often forget basic safety protocols.

I recall racing down the city streets after my muggers, screaming profanities, enraged about the loss of my most prized possession. It sounds crazy, but I half-believed that one look at my mascara-streaked face and they would understand that all my music, contacts, sensitive work information — my life – was contained on that candy-colored device.

The two cops who subsequently showed up to take my statement were nonchalant. My story is far from unique. Police estimate that cellphone theft is becoming more prevalent in the run-up to the holiday season. People are unknowingly purchasing stolen phones as gifts, and buses are brimming with easy targets, such as drunken holiday partygoers and shoppers laden with heavy bags.

The most common robberies are the “snatch and grab” kind, where cellphones are pried from the hands of commuters. In San Francisco, police launched a transit ad campaign, warning folks to “be smart with your smartphone.” Similar warnings went out in Oakland, where the police reported nearly 1,300 cell phone robberies this year alone.

“iPad and iPhone theft is the most common because there is a market for it,” said Jason Hui, an San Francisco Police Department patrolman working in one of the city’s residential districts. Given the prevalence of iPhone theft, Hui and many of his colleagues have become self-taught experts on cellphone tracking. Many smartphones are equipped with cloud-based GPS technology that helps the police track stolen devices, wipe sensitive data, and even set off an alarm.

Hui points out that there is a thriving underground market for these devices, but many stolen phones are sold on legitimate sites online. On Craigslist, perform a simple search for “iPhone 5″ and you’ll find dozens of listings for new and nearly new devices that sell at close to retail prices. My barely-used phone will likely net over $600. And for deal-seekers who purchase a phone on a site like eBay and Amazon, there’s almost no way to discern whether it’s a stolen device.

“Many of these phones [sold online] change hands multiple times,” said Hui, who explained that you’d need a search warrant to track the phone’s electronic serial number to determine its original owner. If you’re considering buying online, one user guide post on eBay advises the following: 

 Many sellers, especially those with little or no feedback, will say, “I can’t display or tell you the phone for security reasons.” That’s nonsense — you need the ESN [electronic serial number] to make sure the phone is not stolen or lost and found (which many of them are). Phones that are stolen or reported as lost have the same effect: they can’t be activated; that ESN is dead. If they (the seller) refuse to give you the ESN then don’t bid or buy.

San Francisco’s authorities view cellphone theft as a grave — but resolvable — problem. On Tuesday, the police will launch a committee hearing to discuss ways the public can protect itself. Scott Wiener, a member of the San Francisco Board of Supervisors, will lead the hearing.

Wiener revealed to SF Appeal that he was particularly concerned about a spike in thefts in residential neighborhoods during daylight hours — “very scary incidents,” he said. “I often use the analogy that you wouldn’t walk down the street carrying two, three hundred dollars withdrawn from an ATM,” SFPD police chief Greg Suhr said in a recent media interview.

Suhr stressed that the silver lining is that, with tracking technologies and the aid of the general public, the police “often get [cellphones] back.”

Feeling skeptical and somewhat cynical, I tweeted to an audience of several thousand Twitter followers, asking about lost or stolen phones that were subsequently returned. Within minutes, I received dozens of short stories about how lost phones eventually made their way home (see a snapshot of the responses, left). San Francisco resident Ashley Mayer told me she was able to retrieve a stolen phone when a random taxi driver went into “Hollywood car chase mode,” and followed her muggers through South San Francisco’s bustling streets. It’s a thrilling story — read Mayer’s blog post here.

Miracles and random acts of kindness aside, there are several ways to recover a lost or stolen smartphone, or at least limit your damages.

Ways to wipe data, track, or disable a lost or stolen phone

Apple users: Sign up with iCloud and use the “Find my iPhone feature” to search for a device as it moves through the city. If your phone is missing, do this immediately as GPS tracking will not work if the phone is switched off.

Android users: LookOut Mobile lets you remotely lock your phone from the web to keep out prying eyes. Cool features include a “scream” button designed to help you find a missing phone (and freak out robbers) and a signal flare that automatically saves its last location when the battery was low. The “wipe” capability will ensure that sensitive corporate data never sees the light of day.

Lose a company-issued phone? Zenprise, a red-hot mobile security company acquired by Citrix, works with large organizations like the Boston Red Sox to ensure its employees won’t jeopardize sensitive data. IT departments will be alerted if an employee’s phone gets hacked, and they can wipe data from any device remotely.

Pick one of the leading wireless carriers: The big four — AT&T, Verizon, Sprint, and T-Mobile — launched a database in November to track, report, and block stolen devices. They claim this will prevent stolen phones from being used on these carriers’ networks.

Safety measures

In the aftermath of my mugging, police relayed to me the following precautions:

• Keep expensive items hidden: Make sure your cellphone isn’t visible when you’re walking down the street, especially if it’s an iPhone or tablet.
• Set a passcode: This will ensure that thieves won’t be able to access your personal data or rack up charges for long-distance calls.
• Buy gadget-specific insurance: This will ensure you can avoid the headache of arguing with your insurance company. A company called Protect Your Bubble claims it can replace a stolen or lost phone within 24 hours.
• Be street smart. This piece of advice is an oldie but a goodie: Don’t walk home alone through a dangerous neighborhood!
• Let your iPhone work for you: Write down your iCloud username and password on a piece of paper and pass it on to a family-member or trusted friend. If you are abducted or go missing, this will allow them to track your device.

The only way to stop the demand for stolen smartphones is for the major carriers to render such phones as useless as an empty wallet and for the police to continue cracking down on crime. In Europe, stolen phones are blacklisted based on their 15-digit International Mobile Equipment Identity number. Read more here about phone blacklisting, and why it’s a losing proposition in the United States.

In the meantime, stay vigilant this holiday season, San Francisco.

Stolen cell phone image // Innershadows Photography, Shutterstock