If you have a laptop and you move it around a lot (even in the house) it is most definitely a worthwhile investment. If it just sits on your desk then I say it's not. Even though applecare doeesn't cover accidents, it will cover wear and tear - for example i've had several problems with the connection inside my ibook between the connector for the power adaptor and hte power supply. Apple will fix this for free even though the problems come from me holding the laptop on my lap and putting pressure on the connector while it is plugged in.