Damage replacement plan / Insurance for Mac Book Pro? I used to own a Dell with a pretty beefy replacement plan.  When I bought my MBP, I asked if there was any similar coverage and the "genius" said no.  I search around online and found a company called Safeware, but it would be hard for me to believe that this would be the only company around doing this. 

Does anyone own insurance like what Dell offers for their Mac?  Has anyone ever destroyed their computer and got a replacement?
Apple does not offer any insurance like that with Applecare. I think Dell only offers it because replacing a piece of equipment is ultimately really cheap for them, but Apple doesn't play Dell's game (and that is probably part of the reason why you purchased an Apple product). 

Going by the fact that you are in the USA, I think this would depend on the type of damages for which you are seeking insurance, which you don't specify in your question. Renter's or home insurance would protect against theft from your home (rent or own, respectively). Damage incurred while being on the road would probably fall under some kind of business insurance, though I'd imagine you would pay a pretty hefty penny for that level of care no matter who you call. 

I think your best course action would be to call your insurance company and see what they have to offer that best suits your particular needs.