$30K vehicles will probably run more than $1k per year to insure. Of course, I guess it depends on how fast you drive and if you party with Lindsey Lohan and Paris Hilton.Exactly. That's along the lines I was referring to. If AppleCare doesn't cover it and Apple doesn't offer it, then go with something like homeowners, cc, or some other extended warranty. $1K/yr for a $30K vehicle equates to $20/yr for the iPhone. I'd pay more than that for full coverage.