If you accidentally break your iPhone, the standard warranty doesn't cover this. So you would have to pay for the iPhone yourself in full.It is similar to a leased car. If you destroy your car in an accident, the automobile warranty won't cover its repair. You have to pay for it in full. AppleCare+ covers accidental breakage of the iPhone - at least 3 times. So it is worth it for klutzes and those not wanting to take any risk of facing an $800 replacement fee.