AppleCare is HIGHLY recommended. Second to that is SquareTrade, which offers optional ADH (accidental damage from handling).
SquareTrade: Accidental Damage from Handling (ADH) guards you against life's little mishaps, whether you drop your cell phone on the street or splash coffee on your laptop. There is a $50 deductible when claiming on a damaged item. If your issue falls under the standard Care Plan terms (i.e., a mechanical or electrical failure), no deductible applies. ADH does not include loss or willful damage. The damage must have occurred unintentionally while the item was being used as intended.
For ADH, you can also consider renter's or homeowner's insurance. Generally it covers damage or loss of a laptop in the home or anywhere in the world for $125-300 per year. Deductibles are higher than SquareTrade ADH. The upshot is that more of your equipment/furniture is covered and when combined with auto insurance multi-policy discount, premium can be free.
SquareTrade: Accidental Damage from Handling (ADH) guards you against life's little mishaps, whether you drop your cell phone on the street or splash coffee on your laptop. There is a $50 deductible when claiming on a damaged item. If your issue falls under the standard Care Plan terms (i.e., a mechanical or electrical failure), no deductible applies. ADH does not include loss or willful damage. The damage must have occurred unintentionally while the item was being used as intended.
For ADH, you can also consider renter's or homeowner's insurance. Generally it covers damage or loss of a laptop in the home or anywhere in the world for $125-300 per year. Deductibles are higher than SquareTrade ADH. The upshot is that more of your equipment/furniture is covered and when combined with auto insurance multi-policy discount, premium can be free.