Verizon's Total Mobile Protection comes in at a month with a maximum of two claims per 12 months at 00 apiece.
It has all the benefits of the TEC plan, except that it does not include phone malfunctions (post warranty expiration).
This is a significant advantage over the Verizon / AT&T plans if you're particularly likely to break or lose your phone, though you're obviously paying for it - the monthly premium is nearly double that of AT&T's.
Otherwise, this plan is just like AT&T and Verizon's, and offers the same level of coverage for the same loss situations.
AT&T Mobile Insurance is .99 per month with the "insurance only" option, and covers the same loss incidents as every other Asurion plan (accidental damage, loss, theft, and post-warranty mechanical breakdown).
AT&T has three deductible tiers (1, 2, 3), with any high-end smartphone landing in the tier 3 9 deductible.
But I'm going to break down a few of the US's most popular insurers, alternatives (like your homeowners policy), and explore whether phone insurance is even actually a good idea given your individual needs.