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You'll need to pay the full replacement cost for red-labeled phones.
ENGADGET: Sprint to offer three levels of iPhone service, 'yellow' AppleCare+ repairs will cost $49
At the very least, seriously consider forking over the extra bucks for full replacement or replacement cost coverage, which would pay for the replacement of your home if it were severely damaged.
FORBES: As 'Frankenstorm' Threatens, Last-Minute Ways To Disaster-Proof Your Home
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