Do I really need insurance on my iPhone?


Editorial team Published on

AppleCare+ is usually worth it if you drop your phone often, skip using a sturdy case, or want protection against loss and theft.

When AppleCare+ Is Worth It

  • High repair costs: Modern iPhones use expensive front and back glass. A single uninsurable rear glass repair can cost hundreds of dollars, while AppleCare+ drops screen or back glass service fees to just $29.
  • Accidental damage: The plan covers unlimited incidents of drops, spills, and liquid damage for a small service fee instead of full price.
  • Battery replacement: Apple replaces your battery for free if it drops below 80% original capacity.
  • Theft and loss: Adding theft and loss coverage lets you replace a stolen or missing phone for a deductible, up to two times per year.

When AppleCare+ Is Not Worth It

  • Careful users: If you always use a tough case, rarely damage devices, and upgrade every year or two anyway, you may spend more on insurance than you would on a single repair.
  • Older or paid-off phones: Insuring an older, paid-off device that you plan to replace soon rarely makes financial sense.
  • Alternative perks: Check your credit card benefits or homeowners insurance, as some policies already cover mobile phone damage or theft.

You can check full pricing details and enrollment options directly on the AppleCare Official Page.