Not to say it isn't good sometimes, but I hate this whole racket of insurance being offered on every friggin item you own/buy.
Buying a TV... better get some insurance.
Tires? Yup, better insure those.
Cellphone? Laptop? Keyboard? Sofa? Fridge? Stove? Bed? Insurance!!!
Cat/dog/fish?? Insurance. Table? Yup, insurance.