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iPhone accidentClumsy iPhone users might want to check with AT&T on July 17, when the company will begin offering insurance plans to replace their devices in case of theft or an unfortunate accident like dropping the phone in a puddle.

The new plan will be managed by Asurion and cost $5 per month with a $50 or $125 non-refundable deductible, depending on iPhone model. AT&T previously offered an iPhone insurance plan for $12 a month with a deductible up to $199, depending on device model.

Comparably, Verizon offers a $7-a-month plan with a deductible up to $199. There’s also the popular AppleCare plan from Apple that costs a flat $69, but it does not cover loss, theft, or water damage.

It’s arguable whether the plan will be truly useful to AT&T customers, especially with the relatively steep $125 deductible for newer iPhones, which is not that much less than the $200 with-contract purchase price. However, if you have a history of breaking or losing your smartphone, and you’ve still got some time to go in your contract, this plan might be for you.

Photo via Patrick Hoesly

We’ll be exploring the most disruptive mobile trends at our fourth annual MobileBeat 2011 conference, on July 12-13 at the Palace Hotel in San Francisco. It will focus on the rise of 4G and how it delivers the promise of true mobile computing. We’re also accepting entries for our mobile startup competition at the show. MobileBeat is co-located with our GamesBeat 2011 conference this year. To register, click on this link. Sponsors can message us at sponsors@venturebeat.com.

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