[cicy33]

Originally Posted by lovcom

Again, the extended warranty was a waste, because HomeOwner's insurance would've covered the drowned laptop. Even most car insurance policies would replace a laptop stolen from your car too. Also had you purchased the laptop with certain credit cards, an automatic extended warranty might have provided coverage too.

My two daughters have had laptops since they were 3 years of age, and today their 20 & 22, and they nor myself have ever had any out-of-warranty repairs, nor any repairs for any accidents.

I told the girls that if they drop it, or break it, they get no replacement on my dime, and maybe that's why they are so careful with their laptops.

If your lifestyle is so fraght with accidents and such, then I think there are other bigger issues that need attention.

First you are assuming there was insurance to cover it. For all I know her mother in law rents. then home owners does not cover peoples things. People are required to carry renters insurance to cover their things. this can get pricey too. I personally carry it because the house I am buying is contract for deed and I want to protect my things. Secondly, what on earth would one accident to my daughters computer and a mechanical defect to my step son's give you the impression my life is "fraught" with accidents. Life is full of things that happen. I am very careful with my laptop but I am also aware that accidents happen. That is why they are called "accidents". I suppose you have never ever tripped or stumbled or knocked over a glass of soda? I personally am not that perfect. So I decided it was smart to put accidental coverage on my laptop. It is a mobile item we take with us when we travel and everywhere. So far have never had to use it. But was worth the peace of mind.