For a device as valuable as the iPhone, we're guilty in not treating it with the respect it deserves. A case like the Cellhelmet ($45) is exactly what we need to keep our iPhone secure from clumsy drops and accidental sidewalk spills. Available as a Kickstarter project, the team behind the Cellhelmet case guarantees the iPhone 4/4S it holds against physical damages.
Made in the US out of polyurethane, the Cellhelmet claims to protect the phone enough that you wouldn't even need to submit a repair claim. The Cellhelmet doesn't cover water damage, but should you drop, step on, or somehow break the phone they'll repair it, and if necessary, replace it. Similar to a wireless provider's phone insurance, all claims for repair or replacement on an iPhone requires a $50 handling fee. One year of coverage gets your phone as many damage claims as needed, and just one replacement per policy.