My iPhone 4 has been on the fritz so it was time to upgrade and get a new one. So I started to purchase a phone from apple.com but then had all these questions so I called Verizon for some help. Then I had to figure out where to buy it from Apple or Verizon because they have different accident protection/applecare/insurance etc. I don’t know about other service providers but the main difference between Verizon and Apple is that Verizon while being more expensive will totally replace your phone if its lost or stolen, Apple will not, and Verizon will not insure your phone if you buy it from Apple. Just sayin’ thats important info if you can’t keep track of your shit or you bike a lot or whatever.