I chose Something Else, because it depends if I insure a gadget or not. Depends on its replacement value/benefits. I have the first iphone, no insurance, so if it breaks.. Oh no! I'll have to replace with the 3G, but don't want the upgrade enough to buy it right now. Big screen TV.. yes. The new playstation 3? Nah. So yeah.. it depends.

I'm a worry wart as well!Definitely insuring mines!

Oy...did anyone else's heart break a little after seeing that picture?

I know mine did lol

I insure mine, I would be pretty devastated if I destroyed a gadget and that was it.

I actually don't insure my gadgets, but I probably should.

No, never. Never ever ever.

I've lost or damaged almost no gadgets over the years. Most of them were obsolete or nearly by the time they were damaged.

Most defective gadgets give out within a couple of months of purchase anyway, while they're still covered by the manufacturer's warranty.

I checked the price to insure my MP3 player for 3 years at SquareTrade. The player cost $200 (six months ago) and they want $24 to insure it. (Their general price seems to be 10%; retailers seem to charge around 20%.) In 3 years, a comparable player will probably cost less than $50. I'll probably upgrade before then anyway.

The one time I broke my computer in a way that I didn't know how to fix, it cost $80 to repair. To insure that computer would cost over $120. (Also, now I know how to fixmbr... so the next repair is free.)

Unless it's something so big that it'd cause financial ruin if it broke (say, your house, health, or car), or you're actually insanely clumsy and break more than 25% of your stuff within a year, I seriously think self-insurance is the way to go.

i insure the things that it would take me some planning to replace like my computer and my phone (just because it's my lifeline).

I don't insure my gadgets because it's usually a waste of money for me. AND if something were to happen and it was an expensive enough gadget, my homeowner's insurance will cover it.

Insure? No. Extend warranties? Sometimes.

I've never broken any of my little gadgets, so it seems like wasted money to me to insure something for that reason.

I do get extended warranties for my computers though. It's a lot more expensive to fix a laptop if a part goes bad on it.

My phone (I've lost/broken a few) and my flat screen tv(which I have had serviced), so it has been worth it.

It depends on the cost. Anything under $300 isn't worth insuring because that's a reasonable replacement fee.. the only thing I've insured is my computer, everything else I just take care of.

AppleCare for all the computers I have owned (and for most that I sell as well). If you have any kind of portable I would always recommend the extended warranty as those replacement parts are super spendy (screen is like $1000). I don't bother with it on iPods or my iPhones though.

I never get insurance or extended warranties on items (except for car insurance and home owners insurance, of course). It's something that I picked up from my husband. His logic has always been that things break so rarely, that the one time something does break, we can replace/repair it using all the money we've saved over the years not insuring everything else. It's worked pretty well for us, and saves us the headache of trying to collect on insurance.

Jill from SquareTrade here... thought I'd share our coupon code for iPhone. If you use code IPHONELOVE at checkout, you'll get 20% off your SquareTrade warranty for iPhone. Enjoy!

Check out my blog for more info on your options http://blog.squaretrade.com/2008/07/iphone-3g-warra.html
(pricing here does not include the additional 20% off, which will be applied at checkout)

Jill

YES! I drop my stuff all the time, and I'd hate to not be able to fix/replace whatever I need to do if something happened to it.