Of course. The question is how often. Suppose I were to break a phone once every ten years (and so far for me, it's been longer than that with zero breakage). It might then cost $400 to fix it, for an average of $40 per year. That's probably less than I'd pay for cases & screen protectors, which still wouldn't guarantee lack of damage.Accidents are called accidents for a reason. No matter how careful you are, something could happen.