So first.. I need to cancel my cell phone insurance. Stupid me. I got it when phones cost more and I was in the middle of a divorce and couldn't afford to drop the $ on another smart phone. Hell.. probably shouldn't have gotten it in the first place.
Second, I did get AppleCare. Cost... $300+. I've had work done costing over a $1k. I walk into an apple store, say what's wrong, they look up to see if it's under warranty and take it away to fix it. I might have signed one form. Comes back working and clean.
I drop my laptops. However, it was the wireless card that died with another issues I can't remember. Perhaps related to the dropping. So, it is the one gadget insurance purchase I do and encourage others to do. As always YMMV. I will be getting it again if I get another MacBook. If I get something else, probably not since it won't be as expensive/expected to last as long.
My wife also kills her laptops. I don't know how, they just stop working at some point. I'm comm and she's the worst customer I have...