All great points, I totally could self-insure. But take a look at this.So, uhh... how much have you paid in applecare in total, without having made a single claim? Would have been better off saving that money and investing it. Of course it's "insurance" and you never know, but insurance works in favor of apple... and plus you have a "deductible" for a claim anyway.
I don’t have AC+ on my current 12PM— I canceled it after I paid off the phone and left iUP. Since I upgraded every year during, I paid half of a 2-year plan (monthly). So if my math is correct:
Device | 2-yr AC+ | 1-yr share on iUP |
iPhone 6s Plus (2015) | $129 | $129 / 2 = $64.50 |
iPhone 7 Plus (2016) | $129 | $129 / 2 = $64.50 |
iPhone X (2017) | $199 | $149 / 2 = $74.50 |
iPhone XS Max (2018) | $199 | $199 / 2 = $99.50 |
iPhone 11 Pro Max (2019) | $199 | $199 / 2 = $99.50 |
iPhone 12 Pro Max (2020) | $199 | N/A |
Total before tax = $626.50.
It buys me the peace of mind and assurance that I can generally walk into any Apple Store and get my phone serviced by the Genius Bar using Apple parts and processes. I don’t think that’s half bad.