I'm using Safeware insurance right now on my PowerBook. After too many lame experiences with AppleCare I decided to stop giving them my money. Safeware was recommended to me by a friend who had his PowerBook stolen. They replaced it. Then he dropped the new one. They replaced that as well. All went smoothly. Sounded good to me. I wasn't concerned with them not covering factory defects because Apple covers that for a year. Most likely with electronics, if something is going to go bad from a factory defect it will happen well within the first year, usually within the first month. After that, especially with a laptop most damage that will come will be from you lugging it around and we all know AppleCare won't help with that. I'd rather get my free year from Apple, then once I'm convinced I don't have a lemon I'll get some real insurance so I don't have to worry about my machine getting broken, lost, stolen, or dropped into an alligator pit. Feels good to not worry about it.