What’s more expensive than an iPhone X? A broken iPhone X.

With a starting price of $999, Apple’s new phone is one of the most expensive on the market. So it should come as no surprise that it’s also one of the priciest to fix.

Got a cracked screen? Your friendly neighborhood Apple Store will take care of it for $279, Apple says. Break any other part of the phone and it will cost you $549 to repair.

That is, unless you shell out an extra $199 for the AppleCare+ plan. In that case, the screen replacement will run you just $29. For “other damage,” the fee is $99.

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So is it worth it? Given a dramatic increase in repair pricing for the iPhone X, AppleCare+ might let you rest easier, especially if you (or others under your roof) are prone to dropping phones.

AppleCare+ covers not only the phone but also the earbuds and any accessories that come with it. And, as part of the deal, Apple extends its regular, limited warranty—which protects you against manufacturing defects—from one year to two. You also get free technical support for 90 days.

“This is a case where value, much like beauty, is in the eye of the beholder,” says Rafi Mohammed, founder of Culture of Profit, a company based in Cambridge, Mass., that consults with businesses to develop and improve their pricing strategies.

Here’s a deeper look at how much the AppleCare+ plan costs and what it covers. 

How AppleCare+ Works

You can buy AppleCare+ at any point within the first 60 days of owning the phone. It costs $199 for the iPhone X, which is $50 more than for an iPhone 8 Plus, 7 Plus, or 6s Plus, and $70 more than for an iPhone 8, 7, or 6s.

If you’re accident-prone, AppleCare+ would deliver savings on repairs at the Apple Store. A broken screen, for instance, will cost $228 ($29 + the $199 plan fee) instead of $279 without the extended warranty. And “other damage” would cost $298 to repair with AppleCare+ instead of $549.

If you’re not a fumble-fingers, though, the $199 AppleCare+ extended warranty might seem like money down the drain.

It’s also worth noting that AppleCare+ comes with restrictions. It covers only two incidents of breakage across two years, for example. If you go beyond that, you’re back to paying up to $549.

The plan does not cover damage caused by “reckless, abusive, willful or intentional conduct.” So, if you were planning to test out your new phone’s toughness by running it over with a car, don’t. (See how Consumer Reports tested the iPhone 8 and 8 Plus.)

AppleCare+ doesn’t cover loss or theft, either, so make sure to enable Find My iPhone.

And remember that your warranty—AppleCare+ or not—is voided if you open your iPhone X to repair it.

Why Is It So Expensive to Fix an iPhone?

The iPhone X, 8, and 8 Plus are covered with glass on the back and front, which could make them more vulnerable to damage in a fall.

CR hasn’t tested the durability of the X yet. Look for the full results in a couple of weeks. But the iPhone 8 and 8 Plus survived rides in our specialized tumbler—which dropped them the equivalent of 2.5 feet onto a hard surface 100 times—with just minor scrapes.

The glass back on the phones is a trade-off designed to enable wireless charging, because metal blocks inductive charging, says Richard Fisco, head of smartphone testing for Consumer Reports. “Apple’s designers could have used plastic, but that has a cheap look and feel not appropriate for a premium phone,” he adds.

Apple says the front camera on the iPhone X—which powers its Face ID system in addition to taking selfies—is integrated into the glass, which complicates the repair process.

The iPhone X’s supersharp OLED screen contributes to the higher cost for replacement as well. The technology—touted in high-end TVs for its deep blacks, accurate colors, and energy efficiency—doesn’t come cheap, Fisco says.

While it might seem reasonable to take a chance on having to pay the $279 fee to replace the screen on your iPhone X, keep in mind that the glass back falls under “other damage,” and that costs $549 to repair.

Crack the glass—front and back—in a fall and you’re almost looking at paying for a whole new phone.

So even if you’ve been careful to protect your iPhone in the past, a sturdy case is a good idea this time around. 

Bottom Line

From a numbers-crunching standpoint, Mohammed says, people might be more inclined to pay for AppleCare+ for an iPhone X because its expensive new technology has yet to be widely used by consumers.

What’s more, carriers aren’t subsidizing new-phone purchases like they used to, which means customers are plunking down more of their own money up front. “If your phone breaks,” Mohammed says, “you’re going to feel that loss, so you’re going to be more inclined to buy AppleCare+.”

“Even though the financial loss is the same,” he adds, “you’d feel different than you would if your phone was being subsidized, or if you were paying for it a little at a time.”

There’s really no right or wrong answer about whether you should pay for AppleCare—it’s all about how much risk you’re willing to assume.

If the thought of having to unexpectedly shell out $549 to repair your phone is unbearable, the $199 AppleCare+ cost might well be worth it.

Or if you’re buying the phone for a teenager whose smartphone takes some abuse, the added insurance might save you some grief.

But if you’re a frugal sort—and also tend to be really careful with your smartphone—AppleCare+ might well seem like an unnecessary expense.