I agree it's a scam but even if my HO insurance would coverage accidental damage, I'm not making that claim. I have to pay the first $500 no matter what, then m

I agree it's a scam but even if my HO insurance would coverage accidental damage, I'm not making that claim. I have to pay the first $500 no matter what, then my rates will go up. Worst case, my insurance company drops me and I have to scramble to find another company since lapses in coverage lead to all sorts of issues. Still, I'm not buying the store's insurance on a TV. I might buy it on my teenager's phone or laptop depending on price and coverage.