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What is AppleCare+ and is it worth adding to your MacBook?
Confusingly, Apple offers both AppleCare (no plus sign ... and there are pros and cons to it that are worth considering. There are certainly benefits to AppleCare+. You get support from Apple ...
Apple hardware lost to LA fires needs to be replaced by homeowner's insurance, not AppleCare
People affected by the LA wildfires who lost their Mac to the flames shouldn't use AppleCare to replace it. They'd have better luck with homeowner's insurance.