I am too cheap to buy AppleCare and I don't eat and drink near it and use a keyboard condom etc. If you can financially afford the loss, then skip the insurance.Īnd, statistically speaking, those who buy insurance tend to take care of things to minimize a loss such as my computer and phone all have good cases and screen protectors on. In the insurance industry, they qualify the clients by asking: Now the other question is whether or not this cost on top of the price of device is worth it even if you may or may not use it. Even "drive carefully" wouldn't even work if something unexpected happens eg a family member or friend spills something on it, you drop it by tripping on the stairs, you trip on an icy surface cracking the screen, etc. Isn't this comparison kinda dumb? Like you could say don't get into a car crash or don't get into an accident but things could happen which is what Apple Care+ or other insurance plans would cover.
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