In all races coming madness, there is one thing you can count one: the large surface seller asking if you want to buy the extended mandate on your shiny new electronics purchase. Sure, it sounds tempting, relatively small premium to protect your new toy, but what it actually covers?
The truth is, these retailers extended warranties exist primarily to make big profits for the store. The average profit margin on them is about 60% (!), So almost all of the money goes directly to the profit and administration guarantee program. The guarantee program is not managed by the same big box store, it is immediately sold to a third party
Very few applications are not paid for two main reasons :.
1) the extended warranty does not start before the expiration of the manufacturer's warranty, so you might not see an advantage for years. At that time, chances are that the product has been upgraded to a newer or advanced model in a drawer somewhere
2) The extended warranty does not cover the main causes of the loss, in any form:. Accidental physical damage (water damage, falls, cracked screens, curved iPhones, dirt in the sensors, fire, etc.) or the actual loss / disappearance of the element. These are clearly excluded, the warranty company can and will use it to their advantage. So if you had a camera or phone camera for a while, and it's picked up some nicks and scratches, the warranty company will probably blame malfunctions on physical abuse and reject the application.
Fortunately, your landlord or tenant's insurance will cover the loss and physical damage, much lower premiums than what the retailer would pay, so if your electronic toys are damaged by fire or lost in a sewer backup, you can count on the insurance company to replace them with brand new items
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