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Not sure about AT&T, but Verizon offers a $10/mo. insurance program that protects against loss/theft/accidental damage, etc. I had opted for this, but a friend of mine pointed out that Squaretrade is offering a better warranty with a lower deductible on sale right now for $81:
Verizon iPhone Insurance Alternative | iPhone 4 Insurance | SquareTrade iPhone Warranty | SquareTrade Warranties
Not bad compared to $240 for Verizon's coverage over the course of 2 years. Did a bit of research on Squaretrade and people seem to be satisfied with them. For $81, and considering how susceptible the iPhone 4 seems to be, it seems like pretty cheap insurance.
Verizon iPhone Insurance Alternative | iPhone 4 Insurance | SquareTrade iPhone Warranty | SquareTrade Warranties
Not bad compared to $240 for Verizon's coverage over the course of 2 years. Did a bit of research on Squaretrade and people seem to be satisfied with them. For $81, and considering how susceptible the iPhone 4 seems to be, it seems like pretty cheap insurance.