Applecare plus is absolutely worth it both on Macbooks, iPads and iPhones and of course Mac pros and Studios etc, not so much Airpods or Watches. I see people save £100s literally on a daily basis where I would have had to quote a lot otherwise. For example on a newish Macbook, you're looking at £6/700+ for a display/lid angle sensor replacement but with APC+, it only costs £79 excess. A liquid damaged Macbook would be around £229 excess. They do have a limit on the amount of damage however and anything Apple deems as 'Catastrophic damage', measured against their set VMI's (visual mechanical inspection) wouldn't be covered regardless of APC+. An iPhone is £79 for a WUR (whole unit replacement) and with the newer models, WUR's are becoming a lot more common.
Other insurance can be good too, for example tech packs with banks are ok as their excess is quite low. But Applecare plus imo is a good deal.