Which smartphone (specifically for iPhone) insurance is legit?

I have a very bad tendency to lose my phone. Not just misplace it, but actually get robbed. Within one year, I lost my Nexus 5 and my iPhone 6 was pickpocketed.

Now I want to get the new 6S, but obviously, this time I'm going to be smart about it by getting insurance. Which insurance is legit for iPhones and will cover Loss/Stolen phones. I don't really care about dropping it, I never drop or spill liquid; but losing it I have a tendency for.

I researched these insurances and they seem to be legit according to their website, but I have no idea. These two insurance cover loss/theft iphones.

Asurion, and ProtectYourBubble.

Protect your bubble is $6 a month with a $50 deductible; and asurion I can't seem to find out the price for. Can someone find out whether Protect Your Bubble is legit and if so, which one should i get?

If you've a tendency of loss / theft, you should get the insurance from your carrier coz none of them insurance companies provide protection against loss / theft. Deductibles are high though, around $200. Worth Ave Group provides loss / theft protection but only limited to iPhones with deductible of $50. Even credit card companies provide protection against loss / theft with no deductible or fee but with only first 90 days validity.