Comment by withinboredom

And for just a few bucks per month, it can be insured and replaced for a couple hundred bucks. My chair is also insured through homeowners insurance (the US equivalent name, called something different here in the NL), and they would give me the value of the chair… but now I have to find it again, get it delivered, take my old chair to the dump, etc. The phone was a quick visit to the Apple Store and restore from backup.