Why doesn't att give customers better alternatives the assurion

By the way i do not work for or have get an benefit from this post, just a client of square trade for many years and i do recommend them to my clients. Squaretrade.com is there web site.

I haven't actually dealt with SquareTrade insurance for claims or anything, but there is nothing that says you have to buy insurance from AT&T. You can buy your insurance from anyone who will sell you a policy, and for that matter, you can choose to "self insure" (which basically means you have no insurance and you are liable for the costs if anything happens to your device).

If you can purchase a SquareTrade policy on your own, then that is something you could consider. With the money you save on the insurance, you could possibly pay for your next phone (or at least the insurance on the next phone)...