What are your tire size? I have 19inch tires with 45side wall. I paid $1500 2 yrs ago for 5yr no deductible. I had two tires replaced due to nails which I could have had patched but didn't since I have the warranty/insurance.
If I had to do it all over again I would skip it. 45profile tire is enough for me. And I live in NY! If I have 40profile then I would get it.
It doesn't cover cosmetic damage and bmw will only repair/place rim if it doesn't hold AIR!! So if the rim is bent but still holds air, you have to get it fixed on your dime!
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