I have a MacBook Pro right now that's covered under homeowners insurance. is it worth buying AppleCare? what are some perks of AppleCare that I don't get with just the homeowners insurance. I've never had a laptop under insurance before, but I think if it ever breaks I get a full refund for the original amount. (this may not be ethical but does anybody know if I can intentionally break my laptop and get reimbursed through my insurance?) I'm leaning toward not getting applecare, but i would love some input!