Is it a good idea to buy a BestBuy extended warranty on a laptop?

Question

and which one,

* the extension of the manufacturer's warranty

or

*the one that covers accidents?

the laptop is a gateway, costing $750. The first kind of warranty is three yrs, $180 (24 pct of product cost). The 2nd kind of warranty is 3 yrs, $250 (33 pct of product cost).

Answer 1

the one that covers everything.  I got the 3 year one and have used it several times.  Accidents happen

Answer 2

I bought the first one and needed it. However when that ran out, I downloaded a service manual so I could repair this junker myself.