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deeply agree. it isn't even that well priced. just self-insure if you're worried. put $12 away into a separate account or something. you'll probably end up with extra money.
Remember, insurance companies are for-profit. You are likely not the one benefitting from this arrangement
Insurance companies also get parts wholesale and keep large stocks of referbished devices. Not saying they don't profit, but the margins aren't there because the pay in outweighs the risk, they're there because they have effective supply chains and manufacture direct deals to procure hardware at costs not offered to the general public.
That has some impact, sure, but insurance agencies generally profit by the assumption that not everybody will make a claim. Those that don't make a claim pay for those that do and they pocket the leftovers
That's pay in vs risk. Insurance companies for electronics would have long gone out of business without additional efficiencies over pay in vs risk. I worked for a national insurer for a while and electronic claims were several factors higher than health, life, or home.
Although I would like to use my phone naked, I have to use a case just because I'm clumsy.
Case but no screen protector master race.
My fucking people, yes!
Rugged phone ftw
What kind of person doesn't use a phone case? Naked phones are slippery
https://www.youtube.com/watch?v=q4yIWg_LElc
Also fixing their broken back glass could have been as simple as just putting a case on it covering the glass. Not even worth the deductible
Back glass replacement video https://www.youtube.com/watch?v=pISCVfuSwcM
I don't use cases.
When I worked a more active job, I used them religiously. I thoroughly tested OtterBox's warranty.
Now that I work a desk job, I'm much less worried about breaking my phones. I put a skin on them for the aesthetics and improved grip. Over 4 years case-free on 4 phones, zero issues.
Does your current phone have a glass back? I would think that would be extra slippery
Yeah, but with a skin on it doesn't really matter. Even without the skin, it wasn't that bad. But the skin definitely improves the grip.
Never had a case for my phone. And in 13 years of owning a smart phone, I only had a single broken screen this summer. And in that case, a phone case wouldn't have helped protect it.
It's really not hard to not drop it is you're careful.
And I have small hands, which doesn't help
I've been dropping my phone nearly every day since Nextel. Something is wrong with me.