I have a blue iPhone 5c 32 gb. I really like it a lot. DD has a pink iPhone 5c 16gb. I debated about getting the 5s due to the fingerprint sensor and since the camera is supposed to be a little better, but I really love the colorful look of the 5c. No regrets! And plus, the 5c is a little cheaper, so I didn't feel bad springing for the 32gb.
I don't have insurance on mine, but I would recommend either a Speck gemshell case or a Tech21 case. I love Tech21 cases- you can get those at Apple stores or through Apple's website. The Speck gemshell can probably be found at
Best Buy or on
Amazon. I'm careful enough that I don't really think I need insurance (watch my phone get ran over by a Mack truck today, lol). We have had iPhones for several years and have never had one shatter. The only problem we have ever had was when DH put his in the washing machine when he washed the sheets- he said later, "I thought I heard a weird thud when I put the sheets in the washing machine." Ugh.
However, we have had some cracked iPad screens....So I have a really strong iPad case on the old iPad that I let the kids use. And I try to enforce nobody else touching MY iPad Air.
One other thing----I really think Otterbox cases are a travesty, although I know they have millions of fans. Buying a beautiful, sleek, sexy iPhone-----and then turning it into a brick with an ugly Otterbox case. Sorry, I know I'll get flamed. I know they offer great protection----and my comments are only my opinion. But, there are beautiful cases that are very protective. Switcheasy also makes an awesome case; I have used them for my iPhone 3gs, iPhone 4s, and iPhone 5. They can be found at switcheasy.com. Switcheasy and Tech21 are my favorite case makers. Speck Gemshell is also nice and is transparent, so the colorful iPhone 5c shows through.