And even for healthcare and liability you can opt for high deductibles. (Though in some countries buying comprehensive health insurance perhaps via your employer even is either mandatory or tax advantaged. The tax advantage might be big enough to change the calculations.)
If you can afford to replace the item yourself you can instead spread that risk over time (and multiple items) by essentially self-insuring.
I absolutely agree you should buy insurance for "large, uncertain costs", but a smartphone or laptop is not that for a lot of people.
Healthcare and liability (auto, homeowners/renters, etc) are two examples of actually "large, uncertain costs" for most people.