I’ve just purchased AppleCare+ with theft and loss for my 13 Pro.
The last 10 iPhones I’ve had (which I’ve always used case less with a screen protector) I’ve never damaged one until my iPhone 11 Pro when I dropped it and cracked the screen. I insured through SO-SURE and whilst the experience wasn’t awful, it was a right pain having to send the phone off and being without it for 4 days etc. and it literally took about 10 phone calls for the claim to be processed.
At least with AppleCare+ they’ll either fix it instantly in store or just send a new device through the express replacement service. Definitely worth it to me.
I’ve gone for the monthly option as I only plan to keep this phone for a year before upgrading to the 14 Pro next year.