> but I'm not sure if the extra peace of mind is worth the extra money

It's free to never worry about it or think about it at all. I do it every day.

If you plan for most everything else in your life to stay the same the next 2 years, I'd skip the theft and loss package.

Now if you have planed an out of the country trip to somewhere you've never gone, expect to move to a new city/town, or are looking to find a new job and potentially more risky job, theft and loss has a better chance of being more useful to you.

To me a lot depends on do you often put your phone down in public places? Do you have a lot of instances where you don’t know where your phone is? At your place of work are there a lot of thefts? Are you often in crowded areas? Do you use it on public transportation a lot where someone could grab it out of your hand and run? How is crime in your place of residence?

Just remember that theft or loss is not an instant replacement like AppleCare+. It goes through a third party and you have to work with them. Also, I believe the deductible is around $250. So look at the cost for two years plus the cost of the deductible and determine if that will be worth it to you if you have just one loss or theft in 2 years. Of course it covers more but if you’ve never lost or had one stolen I would just factor in one.

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Buy it. Better to have and not need it than need it and not have it.

It’s worth it when you need it. Most people never need it.

I went with theft and loss because I wanted the peace of mind.

Thanks everyone for the help! I think I’m just gonna go with regular AppleCare+ as I have a limited budget.