Bill Noble wrote:

but charlie - this is where we warn you away from product insurance

For an 8th grader?. You do know that they're VERY creative when it
comes to disabling, killing, destroying, electronic equiptment. One of
my "adoptees" killed cell phones by
1. dropping in the toilet
2. dropping in a sink full of water
3. dropping in a tub full of water
4. dropped in the pool
5. spilled a soda on one
6. dropped one in a bowl of cereal - and milk
7. left it on the lawn and the sprinklers got it
8. dropped it in a puddle
and the one you'd probably never even think of
9. a dog peed on it

I haven't gone through the insurance policy, but I was told it'd
cover just about anything other than B-B-Qing the computer.
Might be a good buy IF (and it probably will) something happens
to this laptop (note the word "laptop" - which can easily become
floor top, or pool, or . . .