Anyone can buy AppleCare. It's $249 for the iBook. You don't have to buy it with the Mac, you can wait up to one year before you do it. If you buy an Apple screen with the iBook, you can include it too. (Not sure if this applies if you wait before you buy the plan.)
It also covers global repairs for portables. According to rumors, Apple is planning an AppleCare Plus option that would include "user stupidity" repairs too, not only Apple hardware/software problems.
You can read about Apple's support options
here.
Edit: Actually, since you're a Florida resident, it seems you're right that only businesses can buy it. This is probably some little twist in Florida law.
