AppleCare+ with Theft and Loss for the iPhone 15 Pro and iPhone 15 Pro Max is $13.49 monthly or $269 for two years. The iPhone 15 Plus and iPhone 14 Plus will cost you $12.49 each month or $249 for two years. The iPhone 15, iPhone 14, and iPhone 13 can be covered by AppleCare+ Theft and Loss for a price of $11.49 per month or $219 for two years. Lastly, the third-generation iPhone SE can receive AppleCare+ Theft and Loss protection for $7.49 per month or $149 for two years.
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You can also purchase AppleCare+ at an Apple Store. You will have your phone inspected and you need to bring proof of purchase. Lastly, you can sign up by calling 800-275-2273 and provide proof of purchase. and agree to have a remote diagnostic test run.
You might not want to pay extra for AppleCare+, but sometimes it is better to be safe than sorry.