I’m gonna copy what I posted last year in another thread, because I believe it can be perfectly applied by some people in this thread.
The standard rule is: don't insure stuff that you can pay for yourself. Some people have paid for AC+ for over a decade without ever needing it. That's the price of
multiple iPhones.
Make the calculations for yourself if it's worth it. Don't forget to include
service fees and deductibles as well.
Paying out of pocket for a repair for an iPhone 16 with rear camera damage is cheaper than the price of AC+ plus deductible. If it gets damaged
for a second time, then paying out of pocket
again is
still cheaper than AC.
Of course, your phone is most likely your most-used device in your daily life. Probably always within hands reach.
AC is more than just "woops, broke it, let's get it fixed". It offers advantages like same-day service in many areas, express replacement shipments, mail-in repair, theft and loss, etc.
I once had an iPhone that had to be serviced (within warranty) that took nearly a month! In that scenario, I would have preferred to have had AC because then it would have been serviced either same-day or I would have gotten an express replacement in advance.
So, right now, I'm also considering going for AC+. Not necessarily because it offers the best value for a repair (spoiler alert: for the vast majority of people, it doesn't). But because it does offer some other advantages. The iPhone is my most important device. With AC+, I get the guarantee that I will never be without my iPhone for more than a day.