I have a shitty car and a relatively cheap motorcycle exactly so I can confidently leave them in the city without worrying too much.
Then, does someone become lower risk the more time and experience with a phone, like no claims, age and sex profiling on car insurance, or is the price of insurance the same whether the customer is a 25 or 50 adult male.
is this a trick question or something? i'm not going to jump into a swimming pool on purpose, but losing my phone isn't something that concerns me.
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New models are waterproof, dive in ;)
But, I completely agree with you otherwise. This thing is just too nice to keep in my pocket all day. Plus, I'm too spoiled to appreciate it. It's like the most awesome, user friendly camera known to man, with an onboard computer and phone -- and I'm not sure I care enough to use it.
Also personally over last 10 years I lived in different parts of the world including Europe and Asian countries and worse and none of my devices or personal things were ever stolen and I only break few devices. So might be it's just less of problem for some especially considering many people rarely go outside of their usual home / office or travel to countries with high risk of theft.
But there are other reasons too.
I've owned every iPhone from day one and use them without a case and without insurance. I've never had anything broken. I've never had anything stolen either.
Different companies target different demographics who have varied preferences and utility functions.
Just parking my car is a risk of a sudden $1000 loss, even with insurance.
I assume they are doing this mostly because of an inventory surplus combined with "Pixel 2" less than a month away but it's still nice of them to do it even though these phones are a year out of warranty for a lot of people getting these replacements. Even with the Pixel 2 out they could likely sell the older Pixels for a few hundred bucks.
I think AppleCare+ insurance is a good deal here. I use the phone wherever/whenever and never sweat smashing it to bits. It also means I never both with screen protectors or cases (except for ones that add grip or just look interesting).
Given that I have a pile of four generations of smartphones sitting on my desk waiting to be recycled, it's also easy to visualize that brand new $1,000 iPhone X sitting in that pile in a few years time. The new phone looks great, but the marginal improvement over my existing phone doesn't look like it's worth $1,000. (Particularly in light of the opportunity costs involved.)
I never understood why vendors keep mentioning "thin" and "sleek" in the marketing, when most people end up getting a case which in turn makes it thicker than a 10 year old flip phone.