Diwali gadget shopping: Should you pay extra for insurance?

Gadget insurance during Diwali sales may cover accidental damage, such as drops and spills, that standard manufacturer warranties usually exclude.
• Buyers should check deductibles, co-payments, depreciation and claim limits, as insurance may not cover the full repair or replacement cost.
Before paying extra, compare the plan’s cost with potential repair bills and check exclusions, including theft, loss and cosmetic damage.

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