Why don't you get an AMEX and forget about that? And then the AMEX gives you a ton of other benefits.I've never had AC+ previously on any device. Have never broken or lost a phone or iPad. I think I'll get it for the new iPad Pro, though. A combination of how expensive it is and also that it's got first generation tech like the tandem OLED and I don't want any hassles with getting stuff sorted out if there're any longevity issues
As for accidents in your house, I have an insurance that cover accidents with your personal belongings (among many other things like fires, etc.), and gives you up to one yearly replacement for a device if you break it. Not sure if it covers accidents outside your house, but I believe it does.