[majormajor]

I've found it far cheaper to go with a rider on top of my renter's insurance than with a device-specific policy (and with better service, since they just deferred to the Apple Store re: repairs, vs making me send it to them like back when I had a computer-specific policy in 2007ish).

I've got my DSLR and my MBP covered for $60/year—I got it mainly for the camera, in case I dropped it in a lake or something, but it was cheap to throw the laptop on it too and then that saved my ass when I spilled water in it.