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It's more that when they don't work, it's easy to get a replacement or a fix. Further it's either free or relatively cheap. Having had three generations of iPhones, my wife and I have had six or seven replaced for various reasons for free and the one I left on top of a car was only $150 to replace. I've never paid for Apple Care either.
My experience with friends on Androids is that replacement and damaged phones are much more expensive and also generally requires dealing with a carrier store or mailing in the damaged phone and waiting for a replacement or fix.
Perhaps the best thing for me is that for the five or six years I've had an iPhone, I haven't stepped into a creepy AT&T store.
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