I think I’m going to opt in to Applecare+ w theft and loss for this $1400 phone. I typically buy a new one every year so at $15/mo I’ll spend $180 to get damage coverage, theft and loss. Considering what it costs to replace a screen alone (and how many I’ve fixed over the years) I think good insurance. If I break a screen, it will save at least $100 with the $29 deductible. It can be cancelled at any time. If you pay full price in advance, you’ve got 2 years of coverage for $300 (save $60 vs the payment plan at 24 months).