Should I Get A Laptop Insurance Policy?

I recently bought a laptop this weekend from HP and I was offered by an insurance company to have my laptop insured. My first thought was that they may be insulting the quality of the laptop in question. But it did make good sense that they intend to protect my laptop and repair or replace it in case an accident happens or if I am the cause of its early breakdown. However, they said it only has a one-year span. So I asked myself, should I get a laptop insurance policy?

Here are the facts. I just purchased the laptop and I’m writing this article here using it. It performs well and delivers what its packaging and online reviews told me. However, I’ve found a few reviews about the laptop that showed it broke down after 8 months. It’s kinda scary for me because I just had this laptop last week and if that happened, that could be a big problem.

 The reality with laptop insurance and any other kind of insurance is that they have a deadline. Once the deadline passes the money you paid for protection will not come back to you and becomes the insurance company’s profit. However, if you feel much safer having laptop insurance while using your laptop, then you’re actually paying for your peace of mind.

But, like me and others like me, researching about the laptop model and its performance is enough persuasion whether to buy or not to buy an insurance policy for the laptop. If you know the laptop has a high rate of failure, then get an insurance policy. It’s always up to you.

I did buy that insurance after I read more reviews about the laptop failing after 8 months, just so you know.