I don't really understand why people are getting on your case about your frustration with Apple. I think you have every right to be
FUMING. Whether you need AppleCare or not for the next 12 months is irrelevant. The fact is that for those people who do buy AppleCare at the time of purchase, it shouldn't be so difficult to register the AC to the laptop. If there is an issue, it should have been sorted out the 2nd, 3rd, or perhaps at worst, the
4th call to AppleCare.
Unfortunately, JNB is right. Apple's system is entirely automated, and asking them to change the order isn't as simple as it seems. If it was up to the person on the phone to physically go to the back of the warehouse and change your order, then I guess you could easily blame the AppleCare people on the phone. However, for large companies like this, it's impossible for the customer service rep to ensure that things are done correctly, since s/he can only ask notify someone else to do the swap --- they can't do it themselves from a call centre.
But if you were to file a claim on your homeowner's/renter's insurance, wouldn't that drive up your payments? I'd just go aftermarket or AppleCare.
Not for mine. If you (or your parents) have paid your homeowners insurance for a long time, and have never made a claim due to theft, fire, etc, then claiming for a laptop won't raise your insurance costs one bit. I almost had to make a claim for my own laptop once, and our rep reassured me that they'd never do such a thing to us (with our history of zero claims).