Buying a new phone or laptop is already a significant investment, and right at checkout, you’re often asked if you want AppleCare, extended warranties, or device insurance. The extra coverage sounds reassuring, but is it worth the added cost?
There are many factors to consider when insuring your devices. Does your lifestyle put your phone at risk? Does your occupation require you to have a phone at all times? Can you afford to replace your device if it breaks? Will examine questions like these and more.
Here’s a clear look at when these plans make sense—and when they don’t.
What AppleCare and Device Insurance Cover
AppleCare is Apple’s extended warranty program; similar plans are available for other brands as well. These typically extend the manufacturer’s warranty and cover repairs for issues like hardware failures, cracked screens, or battery replacements. Device insurance, often offered by carriers, can go further by covering theft or loss.
A significant advantage of these plans is the peace of mind they provide. If your screen shatters or your battery fails early, repairs can be expensive. Having coverage means you won’t be hit with the full bill, which can sometimes cost nearly as much as a new device.
To understand whether upgrading is even necessary, see Do You Really Need the Latest iPhone? A No-Jargon Breakdown.
When It’s Worth the Cost
If you’re someone who frequently drops or damages gadgets, extended coverage can be a lifesaver. AppleCare, for example, significantly reduces the cost of common fixes, such as screen replacements. Insurance can also make sense if you rely heavily on your device for work or travel and can’t afford extended downtime.
These plans may also be worthwhile for high-end devices that are expensive to repair and maintain. Spending a little extra upfront could save you hundreds later, especially if accidents are a standard part of your daily routine.
For more protection ideas, see Do You Need That Expensive Phone Case?
When You Can Skip It
For careful users, the likelihood of needing expensive repairs is significantly lower. Most devices already come with a standard one-year warranty that covers manufacturing defects. If you tend to keep your gadgets in protective cases and rarely drop them, insurance may end up being a waste of money.
Additionally, if you typically upgrade your phone or laptop every couple of years, you may not even hold on to the device long enough to utilize the coverage. In that case, the money spent on extended plans could be better saved for your next upgrade.
Other Options to Consider
Before signing up for AppleCare or insurance, check to see if you already have coverage in place. Some credit cards offer extended warranty coverage or purchase protection that can cover accidental damage to items purchased with the card. Homeowners or renters insurance may also include limited device coverage.
It’s also worth comparing repair costs directly. Sometimes, paying out of pocket for a cracked screen or battery replacement can be less expensive overall than paying monthly insurance premiums for years.
To compare if spending extra upfront is smarter, see Best Budget Smartphones That Still Feel Premium.
Key Takeaways
AppleCare and device insurance provide valuable peace of mind, but they’re not always necessary. If you’re accident-prone or own expensive gear, coverage can be a wise investment. But if you’re careful, upgrade often, or already have other protections in place, skipping it could save you money.
Consider your habits, budget, and risk tolerance before making a decision. That way, you’ll know whether the coverage is truly protecting you—or just padding the checkout bill.
