By: justkevin

A friend of mine dropped her iPhone from about 3' onto the sidewalk and the glass shattered, rendering the phone unusable.

I'm certain the iPhone can withstand decent falls, but it may be a matter of luck-- if it hits at the wrong angle, it definitely can go kablooey.

On to your question:

First, how did you pay for your iPhone? Lots of credit cards offer purchase protection in case of theft, accidental destruction, etc. You may not need any more protection than you already have.

As for extended warranties/protection plans, these are almost never a good investment. If you like the peace of mind they bring, understand that you're paying for peace of mind, not protecting an investment.

Consider the SquareTrade offer you cited. If you bought a $600 iphone, you're paying $110 for 3 years of protection. With the $50 deductible you'll "save" $550 if your iphone meets the same fate as my friend's tomorrow. If your iphone dies in 18 months, you may be able to replace it for less than would have spent on SquareTrade's protection plan.

For this to make financial sense, you need to have a very high probability of destroying your iphone. How many portable electronics do you typically break in a year?

Source: http://ask.metafilter.com/71254/Is-Iphone-insurance-worth-it#1061983

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