Hi team, 

Currently still within my 30 day period to purchase AppleCare for my new iPhone 15 PM. 

It'll cost about $NZ$379 for two years (which I can claim back as a business expense) with an excess of around $49-169 depending on the damage. This does not cover theft, or accidental loss. 

My current contents insurance has an excess of $500 I believe. 

Apart from accidental damage - has anyone worked out if it's worth it? 

I haven't really dropped my phone or have had my units lost or stolen as I'm pretty careful.