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Comment by setquk | Hacker News Reader

If you add AppleCare, aggregate that cost over 24 months and sell the handset at the end it’s a good investment. I don’t sell at the end but give my wife’s and my used handsets to the kids and they get two more years out of them.

Total expenditure is less than $100/month for 4 good spec iPhones that run our personal and business lives entirely is a damn good deal.

SIM contracts are approx $90 + broadband is $70 a month as a comparison.

Pricing adjusted to USD from GBP

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The better option is to get the Uber Visa card, which includes mobile phone insurance if you put your monthly phone bill on it.

Don’t Americans have home insurance that covers devices? My home insurance has both ‘all risk’ and ‘out-and-about’ optional coverage. Turning them both on raises my home insurance from ~€6 to ~€13, but it means all my stuff is insured everywhere, for every incident. The only downsides are a €100 deductible and a per-incident cap of €2000 for electronic devices, which means that if I drop into the canal with my phone and my laptop I might not get completely made whole. Still great though, and beats the hell out of insuring all my expensive stuff separately.

You risk raising your premiums when you make a claim

I'm not aware of homeowners insurance that has a separate deductible for personal electronic devices. People typically have a deductible of $1000 or more for their homeowners claims. Also, if you ever make a claim, your rates will go up and you will be unable to switch carriers for about 5 years as no one will insure you if you had a recent claim.

That usually means you have to take it to the insurers specified repairer which is usually the lowest bidder. No thanks!

I have the card and did the repair. I took it to the Apple store, got a repair quote, and then uploaded it to the benefits website. They sent me a check without me even repairing it yet.

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