You do, but its generally a lot less than repairs or a new laptop. I’ll give you my example… My laptop is a 2021 Razer 14 The power port had a broken connector on the inside, and since the way it was made the port was part of the motherboard, the repairs for that power port were going to be over $1700 on a $2300 laptop.
Renters insurance was definitely the less painful option. Just one of those things that may only be useful on rare occasions, but when it is, it really is.
They can absolutely go fuck themselves. I’ve already weened myself off of nearly every social media, stopped paying for YT premium because they keep doing bullshit I don’t like. I’m so ready for an alternative.