I don't think there's any debate about the benefits of a high deductible, or that you should avoid claiming on insurance if you judge that the extra expenditure is worth saving your claim-free status.

I'm in the UK, so I can't help but assume there are differences in the insurance market. I have a comprehensive insurance policy that covers buildings, contents and accidental damage, and that covers things like smartphones too. Despite a couple of previous claims for stolen and damaged electronics, the rates are pretty good. The marginal cost for accidental damage is minimal.

But yes, low deductibles are a sucker's game.