You have 60 days to decide on Applecare and will find a daily countdown timer in your settings menu- Considering if you leave your phone behind, or are a active outdoorsman, or are in a high crime area where theft is a good possibility, or you carry naked, or you drop it even once in a while, then yes absolutely. Back glass is a little over $500 to replace.. The great part is, if you use Applecare in a store, 99.9% of the time they will just hand you a new device if it's not fixable or lost/stolen. There's no investigation,or crazy paperwork. I've had that insurance through that weird company the android makers use, starts with a A or something . That's awful. This is nothing like that. This is Apple directly. Not a third party. For me, peace of mind these days is worth it's weight in gold. I have enough to worry about besides the $1200 in my pocket everywhere I go....