Quote:
Originally Posted by MsCG1
I wasn't aware that the original warranty covered all accidents and incidents that were directly caused by user error. 
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No, it doesn't, but the likelihood you're going to break it vs. the price you pay for that coverage is all in the insurer's favor, not yours.
It's gambling with really long odds. If you insure all your electronics, the price you pay far outweighs the likelihood of actual breakage.
Unless your hobby is dropping electronics off rooftops: then go ahead.
For everyday use, it's still a scam.