I am brand spanking new -- bought an iPad Retina yesterday for my soon to be high school (9th grade) son. The school is going to be using the iPad on campus and all students must buy one. Said son has broken 2 Lenovo laptop screens in the last year. Homeowner's insurance only covers after $1000 deductible so it is not an option. I'm thinking we need loss / theft insurance as well as accidental damage given this will be at school. From what I can see Worth Ave. and Safeware are the only 2 choices and I'm seeing some negative comments about Worth on the forum. PLUS the K-12 price was around $150 at Worth and Individual was $115 (WTF -- one would think student insurance would be LESS). I realize there are a ton o'threads on the subject of iPad insurance but would really like some advice. It sounds like if we go no insurance then accidental damage may be "redeemable" at Apple for a fee -- which might be cheaper than insurance in the end -- but being new to Apple I just don't know if this is true or not. Theft / loss is a whole other issue -- and it seems that I can't get theft / loss without total iPad insurance. So if you were me -- and given my son's track record -- would you go with 3rd party insurance? Would you choose Worth or Safeware (or is there another option)? Thanks much.