Smart ways to protect your expensive smartphone

Just like you use an umbrella to shield yourself from the rain, there are several things you can purchase to protect your pricey Apple iPhone XS Max. Credit: Apple
In a world of smartphones that can cost $1,449, the question must be asked: What should you do about protecting your investment?
It's pretty amazing that the top-level iPhone XS Max, which came out on Sept. 21, costs more than the entry-level MacBook Pro ($1,449 vs. $1,299).
Of course, it's unlikely that you carry your MacBook Pro around in your back pocket the way so many people do with their smartphones on a daily basis.
So what's the best way to keep your phone safe? Probably a combination of methods.
PROTECTING THE BODY
Obviously to protect the exterior you need a solid case. Apple has several available for the iPhone XS Max, including a leather case ($49) that comes only in Cape Cod blue and a silicone case ($39) available in nine colors.
If you're also concerned about making sure the screen is safe, you might consider the Belkin InvisiGlass Ultra Screen Protection ($39.95) or Belkin Anti-Glare Screen Protection ($19.95).
EXTENDED WARRANTY
If you have a new iPhone and don't want to buy the warranty from your phone company, AppleCare+ is another option.
As smartphones go up in price, AppleCare+ has gone up as well. AppleCare+ for the XS or XS Max costs $199, but for the first time Apple is offering to let customers pay for the coverage in $9.99 monthly installments.
The coverage is for two years and up to two incidents of accidental damage. Crack a screen and you can get it replaced for $29. Any other type of damage can be fixed for $99.
If you don't opt for AppleCare+ when you buy your new iPhone, you can take your phone to an Apple store within 60 days of purchase and they'll add it for you after they examine the phone to make sure it's in working order.
There are other warranty options. SquareTrade offers coverage for any phone for $8.99 per month with a $29 to $149 deductible depending on the claim.
Of course, people carry their phones around with no protection. The choice is yours. But carrying a phone in a case greatly reduces the risk that you'll ever crack the screen.

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