IPhone 4 insurance often referred to as iPhone 4G insurance is coming into the Ensquared all model iphone insurance arena. It will focus on protecting iphone 4 models on two levels: iPhone 4G insurance against accidental damage and water damage including all kinds of drops and spills – over a two year period; secondly, Ensquared will also offer iPhone 4 insurance covering accidental damage combined with lost and stolen – most commonly offered in a 1 year iphone 4G insurance contract. Ensquared will be offering this directly to its customers at reasonable premiums to be announced very soon.

Important iphone 4g insurance considerations are:  How many claims are offered over the term of the policy and what is the dollar limit on each of those claims? Also important in making a decision: What is the deductible per claim made? This essentially means, “What is the claimant’s contribution to each claim made”? Until now iphone 4g insurance conceptually has been on the back burner, as in fact has iphone insurance on every model. AT&T has only recently offered an iphone insurance product that in our view is expensive. Other than this, customers only have an Internet option. The latter has centered on companies like Square Trade who have offered warranties with capped $ values – meaning that as claims are lodged the capped value of the warranty reduces. The big snag is that these capped values are unrealistically low (9 in total) and can be eradicated with one just claim.

Ensquared iphone insurance, and particularly iphone 4G insurance is going to address these gaps in competitive offers by latest mid July 2010. The iphone 4G insurance options will offer accidental damage PLUS water damage on a replacement basis for up to three independent claims over the two year period with a claim limit of 00 leeway for the underwriter per claim. Given that the iphone 4 retails at less than 00 this is more than enough cover. Deductibles per claim will not exceed . Also, very rarely does an iphone user damage the device three times over a two-year period. Ensquared rejects the capped warranty system as being an inadequate way to offer iphone insurance but will still compete favorably on premium whilst providing up to 5 times more iphone 4g claim value in aggregate.

Ensquared’s other option directly positioned against AT&T will offer up to 2 claims over a one-year period with the same 00 limit per claim but include iphone 4g lost and stolen in the cover. Ensquared believes they will undercut the AT&T rates substantially. Deductibles will be around 0 per claim versus AT&T 0 per claim.

Another important factor often overlooked is the age of the iphone underwriters are ready to cover. In the case of Ensquared they will match Square Trade at 90 days or less and easily beat AT&T by offering comprehensive insurance on iphone 4 devices of 60 days or less.

Interestingly enough, iphone insurance overall is being overhauled and becoming a real cell insurance category whereas before it wasn’t. It is just coincidental that iphone 4g is being drawn in to this new coverage and Ensquared iphone insurance will lead the market and reflect a prominent niche in this vital arena. Watch out for Ensquared iphone insurance launch coming very soon to feature iphone 4g and all other models on a two tier option basis extending from pure accidental damage to also including lost and stolen.