If Verizon coverage works for you and coverage is just
that important, then you need to stick with a Verizon MVNO such as Selectel. However, I don't believe the iPhone 6 is even on the approved activation list for Verizon MVNOs yet. So in that regard you're SOL, unless you're willing to replace/downgrade handsets to stick with Verizon coverage or settle with AT&T coverage and an AT&T MVNO that properly supports iPhones using your current handsets (read Consumer Cellular).
Word of warning: iPhone antennas stink in general, and AT&T reception could be weaker than Verizon with the same handsets depending on tower placement in your area... though overall coverage for AT&T looks comparable to Verizon for your areas.
There's also the issue of having to pay off the remaining balance (the ETF)
IN FULL on your financed phones when you leave. There's nothing preventing you from doing that right now even if you
stay with Verizon.
All that said, if you even approach needing anywhere near "unlimited" talk and text plus 10GB of data between the two handsets, again, there's not much out there that's actually going to save you much money under that $110 baseline you already have... especially on the Verizon end (though it technically applies to the AT&T end at this level, too).
Lastly:
Insurance on the phones (Yes I do need this, unfortunately fiance' has a problem keeping the phone in her hand)
That requirement alone eliminates every MVNO you could possibly go to if you keep your current handsets, and leaves you with pretty much your homeowner or renter's insurance as an option for covering loss
only, and only with a rider specifically adding it.
The idea with using cheaper providers means doing things like self insurance, repairing or replacing your existing handsets out of pocket if damaged, using them longer than two years, and typically not buying $1000 clown phones in the first place whether you're prone to dropping them or not.
I don't say this to be mean, I say this because this is the reality of your situation.
Repair insurance is usually a ripoff anyway when compared to actual repair costs for anything but a waterlogged handset.
Do yourself a favor... if you really want to save some serious cash over your current phone expenses, take the time to give the
unabridged guide a read, average your bills to determine what you actually
need in usage,
go on a data diet,
crunch some numbers, and if you're potentially going to have to sacrifice the handsets anyway to actually save some cash - get something more rugged and affordable than an iPhone such as a used or refurbished
Samsung Galaxy S4 Active (i9295 or i537) or
Galaxy Xcover 2 (S7710) with an Otterbox and consider going with an AT&T MVNO.
