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  1. #1
    AppleCare or Insurance?
    Derek McNelly's Avatar
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    AppleCare or Insurance?
    Well, for my birthday, I have the option of getting either AppleCare or laptop insurance from Safeware.

    Safeware is like, $72 a year, whereas AppleCare is $200 (after student discount) for two years, and AppleCare doesn't cover accidental damage/loss/theft, which Safeware does.

    So, what do you think would be the wiser investment, assuming I can have one, but not both?
    MacBook Pro 2.3 GHz Quad i7 - 8GB RAM - 750GB HHD - OS X 10.8
    MacBook 2.0 GHz Core 2 Duo - 4 GB RAM - 320 GB HDD - OS X 10.6

    MoTM February 2009

  2. #2
    AppleCare or Insurance?
    Waterpolo820's Avatar
    Member Since
    Jan 27, 2008
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    well from what i understand, Safeware doesn't protect against manufacturer defaults. So get one now and the other one later.

  3. #3
    AppleCare or Insurance?

    Member Since
    Feb 20, 2008
    Posts
    18
    have you looked into squaretrade?

  4. #4
    AppleCare or Insurance?
    Derek McNelly's Avatar
    Member Since
    Feb 04, 2008
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    Quote Originally Posted by Waterpolo820 View Post
    well from what i understand, Safeware doesn't protect against manufacturer defaults. So get one now and the other one later.
    Well, I have until July to get AppleCare, but for my birthday, I'm only going to have enough for one or the other, and my birthday is in April.

    So, probably AppleCare now, and then in the summer (or whenever I can afford it) get the insurance?
    MacBook Pro 2.3 GHz Quad i7 - 8GB RAM - 750GB HHD - OS X 10.8
    MacBook 2.0 GHz Core 2 Duo - 4 GB RAM - 320 GB HDD - OS X 10.6

    MoTM February 2009

  5. #5
    AppleCare or Insurance?
    baggss's Avatar
    Member Since
    Oct 10, 2004
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    Margaritaville
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    27" 3.4 Ghz i7 iMac-13" C2D Macbook-OSX 10.10.2 -64Gb iPad 2-64 Gb iPhone 6+-ATV 2-14Tb of Storage
    If you have homeowners or renters insurance on your dwelling, this will cover the theft/damage portion even if the computer is not physically in the dwelling at the time of the accident.

    A friend of mine was out on business and had his 3 year old Powerbook stolen from his hotel room. His renters insurance covered the cost of the Powerbook and he was paid in less than a week. He was smart, he kept the original receipt and packing material, sent it to the Insurance Co, and they cut him a check for the full original value.

    My advice, get AppleCare for what it covers and either get Renters Insurance for your Dorm, or see if it is covered by your folks home policy.


  6. #6
    AppleCare or Insurance?
    Sent's Avatar
    Member Since
    Feb 24, 2008
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    Specs:
    iMac 24in&20/iPodtouch/iPhone
    I also have Applecare, I still didn't set it up.

  7. #7
    AppleCare or Insurance?

    Member Since
    Jul 30, 2007
    Location
    Oklahoma
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    20
    Specs:
    20" iMac, White Macbook, iPod Video
    No way to homeowners
    You're right and wrong when it comes to using homeowners insurance for the macbook while you're in college.

    1. Their homeowners probably has a 1000+ deductible.
    2. It's a strike against their home insurance. One hailstorm that forces em to get a new roof, and your macbook claim might just cancel their insurance.
    3. It only covers you while you're a full-time student in college or til youre 25. If you drop below 12 credit hours that semester, it doesn't cover you.

    Renters is the same, except usually a 500 deductible, and the claim stays with you. #3 doesn't apply.

    However not all is lost. Go to your State Farm agent, and ask about a PAP (Personal Articles Policy). You list your things of value, over $500, and you get a 0 deductible, and if you have a claim, it doesn't hurt your claim record overall. It costs anywhere from $2-$5 a month, and is valid anywhere. The only thing it doesn't cover is normal wear and tear. Accidental coverage, theft, mysterious disappearance, you getting angry and using it as a frisbee.. All covered, 0 deductible, anywhere anytime.

    That's what I'd do. And you don't need an existing State Farm policy to get one of these. However, I'm sure they will try to pivot and make you take everything else over there too.

    Good luck.

  8. #8
    AppleCare or Insurance?

    Member Since
    Apr 08, 2008
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    420
    Specs:
    macbook core 2 duo 2.1ghz 4gb memory and 8GB iPhone 3G
    does square cover everything that safeware does?

    is safeware for real, its pretty cheap and my mac getting stolen has kinda haunted me when ive left it in the car before. i try to have it on the floor under its case but still, living in a college area and going to school...yeah.. they dont seem like that bad of a deal....

    especially the lcd protection, thats amazing

  9. #9
    AppleCare or Insurance?
    Eric559's Avatar
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    I personally would only get AppleCare.
    Member Of The Month for December '08.
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  10. #10
    AppleCare or Insurance?

    Member Since
    Apr 08, 2008
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    Quote Originally Posted by Eric559 View Post
    I personally would only get AppleCare.
    yeah but applecare doesnt cover stolen, or broken LCD, or some spilling beer on your laptop.

    at least i dont think so.

    to know that id be ok if someone came in to my dorm

  11. #11
    AppleCare or Insurance?
    Derek McNelly's Avatar
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    Quote Originally Posted by frontheadlock View Post
    However not all is lost. Go to your State Farm agent, and ask about a PAP (Personal Articles Policy). You list your things of value, over $500, and you get a 0 deductible, and if you have a claim, it doesn't hurt your claim record overall. It costs anywhere from $2-$5 a month, and is valid anywhere. The only thing it doesn't cover is normal wear and tear. Accidental coverage, theft, mysterious disappearance, you getting angry and using it as a frisbee.. All covered, 0 deductible, anywhere anytime.

    That's what I'd do. And you don't need an existing State Farm policy to get one of these. However, I'm sure they will try to pivot and make you take everything else over there too.

    Good luck.
    Well dang! That's exactly what I was looking for. Nevermind AppleCare, that's perfect!
    MacBook Pro 2.3 GHz Quad i7 - 8GB RAM - 750GB HHD - OS X 10.8
    MacBook 2.0 GHz Core 2 Duo - 4 GB RAM - 320 GB HDD - OS X 10.6

    MoTM February 2009

  12. #12
    AppleCare or Insurance?
    TamiRene's Avatar
    Member Since
    Sep 12, 2007
    Location
    California
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    108
    Specs:
    Macbook, Black, 13.3 inch, glossy screen, super cool
    State Farm Insurance is a great choice...I have a policy and they replaced my cell phone when I dropped it and it broke... I say go with State Farm.
    "There are those who talk, and without knowledge or forethought reveal a truth which they themselves do not understand."

    -Khalil Jibran

  13. #13
    AppleCare or Insurance?

    Member Since
    Sep 06, 2006
    Posts
    23
    I am with State Farm so I will DEFINITELY give them a call tomorrow to see about this. If not, I am going with safeware.

    As for applecare......I don't know, I guess. Better safe than sorry, which I was VERY sorry the last time I had a mac (water damage)
    It's the resturn of the gangsta......thanks ta--

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