Don’t Americans have home insurance that covers devices? My home insurance has both ‘all risk’ and ‘out-and-about’ optional coverage. Turning them both on raises my home insurance from ~€6 to ~€13, but it means all my stuff is insured everywhere, for every incident. The only downsides are a €100 deductible and a per-incident cap of €2000 for electronic devices, which means that if I drop into the canal with my phone and my laptop I might not get completely made whole. Still great though, and beats the hell out of insuring all my expensive stuff separately.

I'm not aware of homeowners insurance that has a separate deductible for personal electronic devices. People typically have a deductible of $1000 or more for their homeowners claims. Also, if you ever make a claim, your rates will go up and you will be unable to switch carriers for about 5 years as no one will insure you if you had a recent claim.

You risk raising your premiums when you make a claim

That usually means you have to take it to the insurers specified repairer which is usually the lowest bidder. No thanks!

I have the card and did the repair. I took it to the Apple store, got a repair quote, and then uploaded it to the benefits website. They sent me a check without me even repairing it yet.