Supplementing applecare with insurance

I am wondering if anybody has found a good way to supplement AppleCare with accidental damage insurance. In this case I'm hoping to buy a MacBook Pro with Retina display.
AppleCare doesn't offer accidental damage coverage as an add-on. Other companies like SquareTrade do provide such an add on, but you have to buy the basic coverage too (i.e. limited hardware warranty). Square Trade's 3 year coverage with both basic and accidental damage coverage is $450 total.
This is actually reasonable compared with $350 for 3 years of AppleCare without accidental damage coverage, but it means you'll only have 1 year of full support through the Genius Bar. After that 1 year, yeah you're still covered by SquareTrade, but my impression is only after the fact (after you've paid Apple for the out-of-AppleCare fix, you can then submit a claim to SquareTrade and hope for the best). This seems riskier and less convenient, assuming your problem would have been covered by AppleCare.
So the ideal scenario coverage-wise would be to buy both, but that's $800, so not a great option. Has anybody else faced this dilemma? What did you decide to do?

I've never dealt with SquareTrade but I do know that whenever I buy something computer-realted on Amazon, the insurance for SquareTrade will pop up. Yes, with no AppleCare, you lose both your three-year phone support and your ability to get on-the-spot coverage.
If I were you, I'd look into a homeowner or renter rider for accidental damage. I'm soon moving out of a nursing home and into an apartment and will be getting renters insurance and I am certainly going to ask about accidental damage riders. I'd look into that first, were I in your shoes.
Clinton

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