By Catey Hill The cellphone falls into the toilet. Your daughter gets the flu the day before you were leaving on safari. Your dog tears his ACL wrestling with another pooch. At any time, the events and accidents of daily life can threaten to put a serious crimp in your style – and a dent in your wallet. Good news: There’s insurance for that. The market has exploded recently for what are called... 

By Sam Costello For small, expensive, often-dropped devices like cell phones, insurance is becoming an increasingly common add-on purchase. After all, if you spent $300-$400 on a phone, what’s another $50 to ensure that it will keep working for the life of you cell phone contract? Not from Apple or AT&T That thinking – and fear of needing to extend cell phone contracts to get new phones...