One question, does Best Buy have a deductible on that accidental coverage?
And I would definitely consider Squaretrade Warranty. I don't know how it works for laptops, but for example for iPhones if you drop it and need a repair, you can always take it to Apple Store to get it fixed and Squaretrade will reimburse your money back. And depending on your plan, you may even have a $0 deductible..
And for iPhones (just as an example) if the cost is less than $125 or something, you don't pay a deductible and they will reimburse you the entire cost..
If that's the case for laptops, squaretrade is way better than any others..