A good option, if you are going to buy stock, get the Best Buy warranty. That covers accidental damage. I bought a 850 dollar HP laptop in 2008. In that time i stepped on it, which broke the screen internally - it got replaced, while they gave me a brand new macbook pro 15 inch to use while i waited. About 4 months ago i dropped it down a flight of stairs (don't ask how) and needless to say it was totalled. Best Buy gave me a 750 dollar gift card to buy a new laptop (or anything in the store for that matter, since I had already bought a macbook pro).