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Old 04-21-09, 09:36 AM   #1
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Laptop insurance: should I buy it for my new high performance laptop?

I just bought a laptop that cost a lot of money. It has an 18 inch monitor and other assorted bells and whistles. The manufacturer, HP, offers accidental insurance coverage. Do not confuse accidental insurance coverage with hardware or software technical support coverage for things like viruses or troubleshooting a blank monitor or a Blue Screen of Death. 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 an accidental coverage policy?

HP charges $250 for two years of coverage. Here's what HP's accidental coverage policy covers:

1) Protection from damage caused by drops, spills, and electrical surges
2) Convenient door-to-door PC pickup and return with roundtrip shipping included
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Old 04-21-09, 11:12 AM   #2
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How likely are you to drop it or spill something on it?

Actually, know what? I'd say get it! Since you asked about it here, if you didn't get it and messed it up, you'd be kicking yourself for not getting it.
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Old 04-21-09, 11:53 AM   #3
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I usually hate warranties and I felt so guilty pushing them back in my Best Buy days, but ya know what? My wife loves them and she had gotten two brand new laptops free of charge over the past few years because of her abuse on them, so I would say if you are considering it, then go for it!
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Old 04-21-09, 11:59 AM   #4
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If you buy it, you'll never need it. If you don't buy is, you will destroy it.
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Old 04-21-09, 12:04 PM   #5
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Go for it. I've dropped and broken numerous laptops over the years. A lot of times, it was just a simple trip over the power-cable when the laptop was on a coffee-table. And it was always right at the close of a project at the deadline when it happened. Now I only use laptops with all-metal or carbon-fibre cases. I've dropped one from 5-ft and it still works just fine.
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Old 04-21-09, 12:33 PM   #6
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You never did say how much a new one is. "A lot of money" is a bit vague.

When evaluating, consider that over time, an equivalent replacement will be less.
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Old 04-21-09, 02:38 PM   #7
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For Macs, I would highly recommend both AppleCare, some insurance that covers accidents, and some insurance that covers theft.

Your homeowners insurance may help. I bought a rider for my laptops that covers theft, frying due to power surges, accidental microwaving, fire, etc.
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Old 04-22-09, 07:08 AM   #8
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I've had good luck not dropping laptops, so I don't know.

I dropped my one cellphone repeatedly and it came to a bad end. But the insurance was priced high enough that I didn't insure the replacement either. I've taken better care of it so far, about a year along. I guess I am fundamentally unhappy with a cell phone that requires coddling.
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Old 04-22-09, 07:14 AM   #9
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if you use it like a laptop, and tow it around constantly, then YES, HP insurance is worth it.
they will happily give you a new one in 2 days no matter what happens to your current one.

if you keep it at home like a desktop, then nope.
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Old 04-22-09, 07:54 AM   #10
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I got a Macbook pro a few months ago and I carry it on the bike a few times/month....no Apple Care and I feel like I'm going in bareback
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Old 04-25-09, 05:04 PM   #11
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Nope, not me. Consumer reports usually mentions that they charge way too much for these.
AND it will help with learning to be conscious. As in pay attention to what you are doing.
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Old 04-25-09, 08:16 PM   #12
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There is no such thing as a high-performance laptop.
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Old 04-25-09, 08:47 PM   #13
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A laptop to me is a business tool, and there are times that even the best of care may not help. Its obnoxiously easy to crack a laptop's LCD, and that pretty much requires a purchase of a new machine.

So, I keep insurance on it just in case.
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Old 04-26-09, 01:07 AM   #14
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insurance meaning a encrypted HD and off sight backup? then YES!
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Old 04-26-09, 01:14 AM   #15
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There is no such thing as a high-performance laptop.
this is humour, right?
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Old 04-26-09, 01:49 AM   #16
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this is humour, right?
Compared to a desktop, no.

I suppose he means it's a relative term.
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Old 04-26-09, 02:31 AM   #17
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A laptop that can do desktop speed and graphics will be expensive and/or very heavy. You have to make compromises somewhere.

The biggest speed increase on a laptop will be maxing out its RAM. The second is finding a fast 2.5" hard disk that the machine can use. If you can snag a 7500 RPM drive that fits in the laptop, it will give a noticeable speed increase. Newegg sells a 500GB 7500 RPM Seagate, but right now, it's out of stock.

My next laptop, I would probably buy from a company that I can either bring the laptop to for repairs in Austin (Apple and their Genius Bar comes to mind), or someone that can send a tech over (Dell has some premium service plans for this, same with HP and Lenovo.) Mail in service where you mail the laptop to somewhere, wait who knows how long, and get something back in a month or so, just sucks.
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Old 04-26-09, 02:25 PM   #18
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this is humour, right?
Certainly not once you've used a real high-perf desktop. You're talking about 4 quad-core CPUs with 64gb RAM using 15,000rpm SAS drives or a FC array. Not really possible with a laptop regardless of the price.
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Old 04-26-09, 04:58 PM   #19
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Certainly not once you've used a real high-perf desktop. You're talking about 4 quad-core CPUs with 64gb RAM using 15,000rpm SAS drives or a FC array. Not really possible with a laptop regardless of the price.
True, and laptop graphics are almost always a generation or two behind desktops due to size and power demands.

The hottest laptops out there use dual (SLI) graphics cards, desktops can take up to four, nearly twice the power.
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Old 04-26-09, 05:01 PM   #20
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True, and laptop graphics are almost always a generation or two behind desktops due to size and power demands.

The hottest laptops out there use dual (SLI) graphics cards, desktops can take up to four, nearly twice the power.
quad SLI and CrossFire is limited to only the dual GPU cards, like the GTX 295 and HD4870x2. Tri SLI is the only 3+ card graphics solution.
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Old 04-26-09, 05:14 PM   #21
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quad SLI and CrossFire is limited to only the dual GPU cards, like the GTX 295 and HD4870x2. Tri SLI is the only 3+ card graphics solution.
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Old 04-26-09, 05:29 PM   #22
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Old 04-26-09, 05:32 PM   #23
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Old 04-26-09, 05:33 PM   #24
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Old 04-27-09, 07:57 AM   #25
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my point was, there are high performance laptops. they may not be anywhere in the same league as high-end desktops, but when compared to the average laptop, they are quite a bit faster.

if we only use one definition for performance, say FPS, we limit ourselves. sure, the computer pictured above crushes anything i own for video game performance; but how well can you use it on an airplane? what's the battery life like? and how's it compare to Sequoia (20 petaflops)?
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