Last night I had my iphone 5 stolen. I thought I still had insurance but because the number I have was on another account last year (and already had two insurance claims) my insurance was canceled.
Is my only option at this point to pay for a phone at full retail price?
Or you can buy from http://www.swappa.com or another site like it. Be careful you don't get taken.
You can also buy a preowned certified like new for cheaper from verizon.
And of course the full price option is of last resort.