I have iPhone under insurance and contract with at&t, how to get a new one?

If i have iPhone 5 with At&t contract under insurance and i did not lost it and i want to get another one how to get it? Should i unlock it or jailbreak or take it out of USA?

Buy a $5 factory unlock for iphone from http://www.ebay.com/...0984052698
don't' need ebay or paypal accounts either. Then well you can say you lost it… Make sure to unlock before that.

and then well bobs' your uncle.