Do I really need extra laptop insurance, or is warranty enough?
Warranty covers manufacturing defects, not drops, liquid, or theft. The question is whether you carry that risk or buy it off. Terms vary by brand and year.
Try this first
- 1Standard factory warranty is typically 1 or 2 years on defects. Read your exact terms, they change.
- 2Add-on cover (often 'accidental damage protection') buys off drops, knocks, spills. Worthwhile for mobile or field roles.
- 3Check your business contents or inventory policy too. Theft and fire are sometimes already covered there; do not pay twice.
- 4Compare 3-year premium against replacement cost. Below 10% of purchase price per year is usually wise for mobile roles.
When to bring us in
We can lay your policies next to vendor cover to find overlap or gaps. With fleets of 10+ this pays back fast.
See also
- Should we buy or lease laptops as a 5-person company?Both work. Lease is predictable but pricier over the term; buying needs cash and your own depreciation. The difference is mostly admin.
- Is buying refurbished smart or asking for trouble?For office work fine, if from a serious vendor with warranty and a clean OS install. The trap is shady marketplace listings.
- How much RAM and SSD for office work in 2026?Rule of thumb for knowledge work: 16 GB RAM and 512 GB SSD as a comfortable minimum. 8 GB already feels tight; 32 GB is for heavy tools.
None of the above fits?
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Or skip the DIY entirely
Our Managed IT clients do not look these things up. One point of contact, a fixed monthly price, resolved within working hours.