Originally Posted by Bingerthedog
Suit yourself. But when you drop your laptop or it gets stolen see how well your Warranty helps you. Even if your mobo burns up you can tell them that your laptop is broken and file a claim. All they will do is send an adjuster out to make sure it doesn't work and then cut you a check. Its not unethical to use a service that you pay for, that's what its there for. I know a girl who got drunk and stepped on her closed notebook cracking the screen and it was covered under her policy. It's the best option I know of.
I think that something got lost in the post. Home owners insurance is an excellant idea for the "accidents" and theft type of situation where the extended warranty will not apply. Having said that, it is not the appropiate (or one guarenteed to work) for interal failures in the laptop. I have both and I don't belive that the homeowners poilicy will cover repairs for a disfunctional laptop. Also, on the home owners policy, the insurace is for "replacement value". On a notebook replacement value may be "chump change" after a year or so, regardless of the true "value" of the machine.
My honesty/etics question appeared to fall on deaf ears - so, I'll save no more. The case exampled falls under the "accident" category; however, reporting a disfunctional appliance as "dmaged" would be fraud. I know - don't like your car - set it on fire, after all that's what insurance is for. Tsk...