I just bought a laptop that cost a lot of money. It has an 18 inch monitor and assorted bells and whistles. The manufacturer, HP, offers accidental insurance coverage. Meaning that if it falls off the table and breaks HP will fix it or replace the broken part if they can't fix whatever part that's broken. I use my computer primarily (75%) for work and school. If you were me (and no, I don't have a lot of disposable income to spend) would you buy accidental insurance coverage?
HP charges $250 for two years of coverage. Here's what HP says about their plan:
With this plan, you'll get:
1) Protection from damage caused by drops, spills, and electrical surges
2) Convenient door-to-door PC pickup and return with roundtrip shipping included