For the sake of conversation, I’m going to do the same based on the price of AppleCare starting today. Let’s say that over the next 10 years, you buy five iPhones, two laptops, three Apple Watches, and three iPads. The same logic can be applied to your personal purchases as well. What damage rates are you seeing? Let us know in the comments below. If that isn’t an option due to how you are funded (grant money, etc.), you’d be better off purchasing extra devices to deploy as replacements instead of buying AppleCare+. If you don’t, then you have saved the money. If you end up needing it, you’ll have it in the budget. Instead of buying AppleCare+ at $79,000, add $25,000 to your annual budget as a repair contingency. When other schools ask my advice on AppleCare+, I tell them they are better off self-insuring against repairs. In 2018, I looked at the value of AppleCare for enterprise users. Especially as Apple switches to a monthly payment model, it’s going to look even better on their balance sheet. Apple only sells AppleCare because people will buy it, and it’s virtually free money for them. Here’s why I don’t buy AppleCare: Statistically, you won’t need it. If you need to save for retirement, set up a kid’s college fund, or general investing, I cannot recommend them enough. (Side note: I love Wealthfront for investing. I use the savings of the term policy over the whole life and invest in Roth IRAs, mutual funds, and I also have a 403(b) at work. My kids will be out of the house when my term policy expires, and my wife can live off my retirement portfolio if something happened to me. I view insurance as something I need when a catastrophe happens.Ī lot of people question why I do term life insurance over whole life. I have health insurance, car insurance, and term life insurance.
Personally, I’m not one to carry a lot of extra insurance. It started with the 2004 PowerBook G4, then 2008 MacBook, iPhone 3G, iPhone 4, iPhone 5, iPhone 6, iPhone 6s Plus, iPhone X, multiple other Mac laptops, and numerous iPads. Over the years, I’ve owned many Apple devices. I’ve never bought AppleCare on a device, and I’ve never regretted it.
Thanks to the iPhone Upgrade Program and leasing through cellular carriers, it’s gotten a lot easier to always carry the latest iPhone. While people generally buy Macs and iPads when they are falling apart, a lot of people love to buy the latest iPhone every other year, if not every year. Is AppleCare worth the price? Is AppleCare good value? These are questions I get asked a lot this time of year.
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