Year 2 is very important and after that, you figure.
Also, I've yet to get any feel for other than maker's warranties. Some have odd exclusions that if the repair exceeds the warranty fee they can refund your money and give you the still-busted laptop back.
Tip: If they want to sell you the warrnty, ask for the warranty to read then ask for a chair and start reading. Every time the salesperson goes nuts. That's a sign.
Bob
Is the warranty for laptops worth it? I went to buy a notebook and the salesperson said it was essential - scared me into considering...but it is $500/3 years - seemed extreme for a $1400 item.

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