I've always had my carriers insurance that they offer, Verizon's TEC. When I got my 4S(nov 2011) I had the TEC plus AC+ on it - thankfully I never needed to use the TEC, but the AC+ did come in handy when my power button failed and had to have my 4S replaced. That was the only time I've ever needed it.
I've now moved onto a 5C in Oct and have the TEC again, but I haven't purchased AC+ yet. I'm still deciding on whether I should or not...I have a couple more weeks to do so before my window of opportunity closes completely
