Re: My AT&T insurance cover my iPhone that was that was my fire
You'd need to check with your AT&T insurance provider. If you have the accidental damage coverage, they should. If they won't, your homeowner's insurance (if the fire was at your home) should cover it, it doesn't cover just your home, it also covers the belongings inside. If you rent rather than own, renter's insurance would cover it. Actually, whatever insurance you make a claim against for the fire should cover replacement of the phone if it was damaged in the fire.
For your iPhone specific questions, I suggest you visit the sister forums to these at imore.com