Att Insurance Vs Applecare. Personally, i would use applecare+, as apple is the fulfillment service regardless. Applecare is an extended warranty.
Applecare+ with theft and loss gives you the option of paying a little more in order to have a replacement option if your iphone ever disappears. If you have at&t repair it they just send it to apple. It appears that at&t uses assurion as their provider for warranty service and they seem to be getting some seriously bad reviews on the internet.