Let’s not mince words. You paid $649 for that iPhone 6, even if your carrier subsidized most of it up front. If you want to know how much it really costs, just break it without the benefit of Apple Care and try to get another. Your carrier will laugh you out of the store. And Apple will very politely ask for a shocking amount of money to replace it. The carrier only subsidized one phone. Without some sort of replacement insurance, you are on the hook for the rest.
It’s not just your phone that will send you to the poorhouse when calamity strikes. It is also your tablet and laptop. Generally speaking, all mobile devices are much more subject to damage than devices intended to live on a desktop, or other stationary location. Anything you are going to frequently pick up and move around is going to need a lot of extra protection.
Beyond dropability, mobile devices are more fragile by design. The laws of physics have to be considered. An item intended to be picked up has to be lighter than one that lives on a desk. Typically, a sturdier build is a heavier build. Devices that are used while holding, like smartphones, have to also be thin enough to hold and use with one hand.
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