I didn't know apple is into the insurance business.
u dont need insurance if u know how to take care of a computer
Of course, you don't need a brain to use a computer. But again, most people choose to think before they post.
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Anyway, back to the main topic.
Getting insurance from your auto/house insurance broker:
Good - Cheaper, Depending on your policy, your computer might be "included" already.
Bad - If you make a claim, it might affect your policy as a whole (i.e. rate increase), but again, this situation will depend on your policy.
Getting insurance from 3rd party.
Good - Filing a claim will most likely not cause any prince increase to your home/auto policy. (i.e. you pay the same to insure your house).
Bad - more $$, filing a claim might be tricky (i.e. you have to include a police report, pictures, serial number, ...etc.), or the insurance company goes out of business during your insured period.
In short, good luck and read the fine print before purchasing!