Comment by phil21
7 days ago
AppleCare is leaps and bounds better than any other insurance you can buy for mobile or laptops.
For accessories I don’t see the point, those are effectively disposable wear items.
Ironically a large part of deciding to migrate to an iPhone from android was final frustrations with even Google purchased devices under warranty coupled with hardware quality requiring repairs. My wife’s experience with AppleCare won me over.
If nothing else it’s first party insurance. I will never purchase device insurance offered via a third party ever again. Either its first party so I’m dealing with the place I bought it or nothing at all.
Insurance for things you can afford to replace never makes sense anyway. The expected cost of insurance will always exceed the expected cost of replacement in the long run.
Unless for some reason you know you will be breaking your device much more than the average person.
Insurance is for things that are unlikely to ever happen but would financially ruin you if they did.
Definitely agreed, to a point. Phones I used to break so often it seemed worth it, although a lot seemingly had to do with device quality vs. me being especially clumsy. My iPhone has been dropped, dunked in the bath, etc. just as much as my past Pixels but is going on 3 years now. I never made it a year previously.
My laptop I'm on the fence about. It's a $3,000 machine that isn't especially robust if dropped, but I haven't broken one in a decade or two. Probably won't pick it up on the next one I buy. The unrepairability of modern Macbooks is what got me to buy it in the first place though. An old Thinkpad I could self-insure for quite cheap because I had the ability to replace any component failure myself. Not so true on the Macbook. I also see it as travel insurance - I can walk into any Apple store in a major city and in theory get a replacement device on the spot. Of course that theory has yet to be strongly tested.
As a longtime iPad Pro (large) user that always gets the AppleCare, I have walked out of the store with a brand new device a half-dozen times with only a few questions asked.
>Insurance for things you can afford to replace never makes sense anyway. The expected cost of insurance will always exceed the expected cost of replacement in the long run.
Not sure about Applecare but Lenovo has support packages where if your thinkpad breaks they'll send a technician over to your place to fix it within 24 hours. That's definitely worth it for a work device IMO.
I bought this kind of insurance for my PhD (Dell laptop, same 24 hours technician on site guarantee). Although quite expensive, I don't regret it: my screen and motherboard got replaced about two years in.
>Insurance for things you can afford to replace never makes sense anyway. The expected cost of insurance will always exceed the expected cost of replacement in the long run.
"Peace of mind" is not free.
Paying ~ten bucks a month to insure my phone and not have to worry about it getting damaged is worth it to me, even if I could afford to replace it if I broke it; because now I just _don't worry about it_.
Why would you worry about it if you can afford to replace it?
If you say you worry about the cost, shouldn't you worry even more about the higher cost of the insurance? Sure, for one item the variance is higher if you are uninsured, but if you have several such items, variance goes down, and you are saving all the more money.
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The peace of mind I have is that the $1000 for a new phone is sitting in my bank account. If I break my phone, I can get it replaced, and if I don't, I get to keep the money. While buying Apple care is ensuring you lose since you pay for a new phone whether you break it or not.
> AppleCare is leaps and bounds better than any other insurance you can buy for mobile or laptops.
Which doesn’t tell you a lot because they are pretty bad, too. Being better doesn’t mean it’s a good offer.