Extened warrenties are a real problem. An auto warrentee company from down south (Florida? Georgia?) went belly up, & the warrenties they sold for 4 years are worthless. but a lot of folks are carrying the card with thrm yet, thinking they have coverage......
Best Buy, CC, anywhere else - it is a 3rd party offering to insure your stuff, independent business from the store selling to you, and independent from the manufaturer.
If they do their job right, they don't have to settle many claims. If they do their job wrong, they will go under & you are without warrenty.....
Laptops & big screen TV's, there is some consideration. As they can fail & big bucks.
Other stuff, totally worthless.
You are putting your money into a company that is totally out of the loop & has no interest in making things right. Big gamble.
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