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