Laptop insurance

The other day my husband showed me a sales paper with laptops. He asked me if I wanted to buy a new one now but I said not yet because I do not want to use my credit card. He knows that I really want a new one but my old one is still working good so why buy a new one and spend all that money. I just wish that when I bought my laptop before I got laptop insurance but it is too late now. Next time when I buy a new one I have to make sure that I get the insurance just in case my laptop goes bad or is damage.