<prompt> Human: My wife recently upgraded her iPhone 5 to an 8 and were debating purchasing AppleCare. Apple is asking for 150 for 2-years of coverage for her phone. Generally speaking I dont purchase any sort of extended warranties. If the product breaks, Ill suck it up and buy another one and probably not that same brand I realize that one drop of the phone and wed be out a ton. Anyway, curious what others here on rpersonalfinance have done for coverage for their smartphones. We used a bunch of Target gift cards to purchase the phone so I dont have any credit card coverage. Help ... your suggestions are much appreciated  <response>: If you purchase a really nice, sturdy, protective 30-50 case would suggest Otterbox I dont think youll need it. The only phone Ive ever broken was because I didnt have a case on it. 