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Whether or not you should purchase AppleCare depends on how you use your Apple device, and how much risk and expense you are willing to take.

If you are prone to dropping or damaging your device, the argument moves towards adding AppleCare+. Similarly, additional loss and theft coverage will be dependent on how likely you believe you are to lose your device or have it stolen. Ultimately, some users are simply more careless with their devices, and for those people, AppleCare+ is worth it.

In general, the editors at MacRumors feel that AppleCare is worth getting for Apple laptops that you plan on keeping for longer than one year, and ‌iPhone‌, iPads, and Apple Watches due to the accidental damage coverage. For Apple TVs and HomePods, we generally don't see the need, and for desktop Macs and displays it becomes more of a personal judgement call.

Overall, AppleCare significantly reduces the stress and cost of accidental damage repairs or replacement devices, and eliminates the cost of repairing hardware failures, but it is a notable extra expense for coverage that still has some deductibles and limitations on claims. AppleCare is certainly not essential, and can be worth the additional peace of mind.