Most retail stores offer some sort of protection for complex electronic products like TVs and computers, but when is it a good value for added security, and when is it a useless intangible to earn the company money?
Everyone who has been to a Best Buy or the former Circuit City knows the term "Service Plan". Smaller retailers like the Southeastern US based Brandsmart, and the larger H.H. Gregg have similar plans for their products. The question every customer should be asking is whether or not it is worth the added money for this added protection. What are the benefits of the plan being offered? What are it's limitations? How much protection does the manufacturer's warranty offer for free?
Unfortunately these are not simple questions with simple answers, and there are a lot of factors to be considered. You must consider the type of electronics you are buying, the reliability of the components, the manufacturer's warranty, the price of the extension, and whether it is an extension of the original warranty or a separate protection plan under separate conditions.
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