Insurance? (Score 0)

First thing i did in college right after ordering my laptop was stop by a State Farm agent. for about $60 per year i got a Personal Articles Policy that covers even self-inflicted accidental damage. This came to help me a few months later when I tripped on the power cord and pulled my laptop off the kitchen table. State Farm sent me a check, and didnt give me grief about it :)

Now this wont save your data, were you to loose it somehow, but nowadays CDRs and DVDRs are so cheap that its your own fault for not having a backup scheme going at least once a week...

Quick disclaimer: i dont work for state farm, i dont even get free stuff from them. Im sure a bunch of other insurance carriers rovide the same service, ive just never used them.