I've heard the dealership wheel and tire insurance varies. I paid $1300 for 3-years this go around. Some insurance will only replace the wheel if it does not hold air and all they will do is straighten it (but the wheel is never right). Tire replacement requires a dozen photos and pre-approval for replacement. The coverage I got this time includes replacement for bent wheels, no deductable, and no pre-approvals required. Last car I replaced 2 wheels and 3 tires - and on 19" staggered sports it was worth having the insurance.
2013 F30 335i | Sportline | Imperial Blue Metallic | Black Dakota | 6-speed | HK | Cold | Premium | 19" Staggered Sports | M-Performance Exhaust
2009 E90 335i
2007 E90 328xi