Mike got an iPhone X on T-Mobile from the Apple Store. He took it to T-Mobile to activate it, but found out that T-Mobile won't insure it. Leo says that's because Mike bought it from Apple, not T-Mobile. So Apple Care applies. Leo tends to self-insure because extended warranties are profit centers for the seller. But the iPhone X is very expensive to repair or replace. So he does make an exception with Apple Care, but he'll want to get Apple Care Plus. If he breaks it once, it's probably going to pay for itself.