I cancelled applecare and went with squaretrade. Yes you can get it fixed/replaced at apple stores. The drawback is you pay apple the repair fee and squaretrade reimburses you back within 1-2 days. Squaretrade deducible is $50 vs applecare is $80. Also 4 replacements with squaretrade, you only get 2 with applecare. So squaretrade is a better value.
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Filing a claim on your homeowners for a phone? Not something I will do unless my house was robbed. You're asking for higher rates if you go that route.