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> This is why I don't buy insurance or extended warranty for anything I can pay to replace. Exactly. _Given_ that this is a situation where I'd assume the vast
by rzwitserloot 5y ago
> This is why I don't buy insurance or extended warranty for anything I can pay to replace.
Exactly. _Given_ that this is a situation where I'd assume the vast majority of those who could buy the AppleCare brand of insurance could instead just pay for the replacement (how many people can afford precisely 1 macbook but couldn't possibly afford a second one? Some, but not many) - the only thing left to 'play' is to be so sure that you'd be the statistical oddity, that it is 'worth' it.
- schwartzworld 5y ago> (how many people can afford precisely 1 macbook but couldn't possibly afford a second one? Some, but not many) MacBooks are $1300 pros are around $2500. Most people consider that a large amount of money. A new computer is a big purchase for most people. Most would consider replacing one due to damage to be a big loss. And if you did replace it, would you buy insurance the second time?
- cool_dude85 5y agoI haven't looked at Apple's books or anything, but I have to guess that insurance winners aren't really a "statistical oddity." The insured population as a whole is a loser (in terms of dollars) or else Apple wouldn't sell the insurance, of course. But I'd guess that individual winners are still common enough - maybe 20%, 30%? - to not be an "oddity".