No, 6 iPhones over the past 15 years with no case and no apple care.
Insurance for a relatively inexpensive repair is not worthwhile for me, especially knowing there is a virtually 0% chance I will ever use it. It's not like I'm insuring a $40,000 car or a $300,000 house.
Where did it go that it took 20 minutes to find it? If mine is not immediately visible on my couch or on the table next to the couch, then it fell in the couch cushions. I know this because I only use it the couch. Why would I remove it from the room where the TV is?