 I never insure electronics, I never insure warranties, I never insure any of that stupid stuff they're just trying to sell you some insurance on something crappy. Because I can afford those losses and to pay the insurance is a waste of money. Because most stuff actually becomes worthless before it gets broken or worn out. That's just the way the world is. Things are changing so fast, they become obsolete before they actually break. But for big things, you better have health insurance, you better have automobile insurance, you better have homeowner's insurance, you better have liability insurance, you better have those things.