I always get applecare with my phones, but this year I noticed squaretrade got bought up by Allstate and also seems to have some great pricing. I am very tempted to go with them for a few reasons. Apple care for the iPhone x is $199/2 years, this includes 2 incidents if replacement needed at a $99 deductible each. It's convenient to just go into your Apple store to have any issues worked out. Squaretrade for the iPhone x is $129/2 years or $159/3 years, includes same coverage as applecare including accidental damage. From what I understand you are allowed 4 replacement incidents priced at $99 deductible. Convenience remains the same because you can go to a local repair facility and have it fixed, from speaking to their reps this includes taking the phone straight to Apple. They actually have in home repair as well, but I'm not sure if that applies to smartphones or if that's for larger things like appliances. Edit: Just read on their website you can get in home repair for screen replacement with only a $25 deductible. So is there any reason not to get squaretrade? Seems like a much better deal all around and much cheaper. Am I missing any caveats here?