Simply call your credit card company and ask if they offer such protection. In my case they do... I didn't realize it until one day I received mail highlighting all of the card's features. Another one is Insurance per se. We had water overflow from the washer and it dripped/ran down to the room directly beneath and into my VOIP box. Again within x days if there is some type of accident they will refund the purchase price. Presuming no one else would cover the lose such as the place you purchased it or your regular insurance (it was way below my deductible). I filed a claim and was about through the process when it magically starting working again (days later) so I called and cancelled it.
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