[lilyball]

Don’t forget insurance prices are also tailored to your particular risk as much as the insurance company can figure out how. Meanwhile, AppleCare is the same fee for everyone. So for you, your risk model might say that AppleCare isn’t worth it. But for someone else who has a much higher risk of accidental damage (for example, parents of young kids) AppleCare might be a far better value proposition.

[xvector]

I just view AppleCare as the price of using my phone without a case, the way it was meant to be used.

[r00fus]

As a tangential counterpoint, my series-0 Apple Watch lived to a ripe age of 4 and survived many ocean swims, pools and showers (and was still usable when I retired it). My coworker's watch died a year earlier during his first swim with it; he had a case (yes some folks did that) while I didn't.

Some cases are more trouble than they're worth.