🛡️ AppleCare+ vs Insurance Calculator 2026

AppleCare+, Asurion, Allstate, Verizon? Tell us your iPhone + behavior — we'll show the math for the next 2 years.

👇 Pick your iPhone + risk level to see what protection plan is worth it

📊 Your 2-Year Cost (Most Likely Scenario)

💡 What These Plans Cover

  • AppleCare+: 2 incidents/year. $29 screen, $99 other damage. 24/7 phone support. Battery service.
  • Asurion (carrier): Loss/theft + damage. Higher deductibles ($199-$249). Usually carrier-bundled.
  • Allstate (Square Trade): Damage only — no loss/theft. Lower deductibles. 1-year tier.
  • Self-insure (no plan): Pay full repair cost out of pocket if damaged.

⚠️ Important Notes

  • AppleCare+ must be added within 60 days of iPhone purchase
  • Asurion / carrier insurance: usually 30 days
  • Allstate Square Trade: 30 days from purchase
  • Theft coverage: AppleCare+ does NOT cover theft (only with Theft and Loss tier)
  • Battery replacement: AppleCare+ free if <80% Maximum Capacity