It’s an individual call as whether the HomePod is worth it. Just like every purchase decision large or small.Well, they shouldn't buy the HomePod unless they've got more money than brains. I've never said that about an Apple product before, but this one is ridiculous.
And homeowners insurance policies in the US include your home's contents by default. I've never seen a homeowner's policy that doesn't. Now, there's a deductible that's usually higher than the cost of this stupid outrageously priced speaker, so I suppose if you're going to buy one and put it where it'll get smashed by your trash compactor or something you should probably get the AppleCare, but if you have lightning damage you're typically going to have more than one thing zapped, you'll almost certainly be going over the deductible anyway, and your insurance is going to buy you a new one.
The best individual call is to not buy a HomePod. Apple is charging a highway robbery price for this speaker.
Having said that most home insurance policies do not insure against accidental breakage of items unless you have a waiver. That said if an asteroid falls through your rod and destroys your house that would be covered. Drop your iPhone in the toilet, not so much.