Best protection plan for an iPhone 5c?

I just got an iPhone 5c yesterday and I'm unsure which insurance I want. Either best buys geek squad protection or Sprints protection plan. I don't know the exact details in each plan but I'm pretty sure best buy doesn't cover lost or stolen.

THE best plan would be AppleCare+ through Apple directly. Geek Squad protection is terrible and Sprint even if you purchased there plans will tell you to go to Apple anyway.

Call up Apple tech support or go to an Apple store and let them know you want AppleCare+. It's a one time payment of $100.

No plan covers lost or stolen and even if the carrier does they will charge you through the nose to get it.

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