Most homeowner's policies will have an add-on equipment breakdown coverage that will bay for electronics and appliances that break accidentally (. Mine is about 20 bucks a year. There's a 500 dollar deductible, and the devil is in the details. For expensive TV's / heating & cooling systems /other expensive items, it's cheap insurance. Charging 50 a month, or paying the extra bucks when you buy new seems incredibly high in comparison.