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I have my iPhone covered on my home contents insurance, does the OP not have this? Its cheaper than any Applecare too.
Would making a claim on that work out in your favor? As in it could still be under the deductible so it would still come out of your pocket, and/or often making a claim against home insurance ends up with higher rates, so you essentially end up paying for it (possibly even more than needed) one way or another.
 
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