Apple’s new Apple Upgrade program (backed by Klarna) no longer bundles AppleCare+ into your monthly payment, leaving you on the hook for full repair costs if you return a damaged phone. Without coverage, a cracked screen or hardware damage can cost $129 to $379+ out-of-pocket, compared to standard $29–$99 flat fees with AppleCare+. Since leased devices must be returned in "good working condition," pairing insurance with a protective case—like RHINOSHIELD’s SolidX or AirX—is the easiest way to prevent surprise return penalties on a device you don't own.