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Published September 2, 2026

Extended warranties: when to say no (almost always)

At checkout you’re offered an extended warranty. Often profitable for the store, rarely for you. Here’s how to decide in 20 seconds.

Do the simple ratio

Warranty price ÷ product price. Above ~15–20%, be very skeptical unless there’s a special case.

Also compare to the manufacturer warranty already included (often 1 year).

What’s actually covered?

Wear, misuse, cosmetic issues: often excluded. Read exclusions before you sign.

Keep receipts and serial numbers even without an extended warranty.

Cheaper alternatives

Credit cards with purchase protection / warranty extension (depends on issuer).

Personal emergency fund: set aside the warranty amount instead of paying for it.

Link to deals

A $100 discount erased by a $120 warranty isn’t a deal. Calculate the walk-out total.

On PromoSimple, compare the bare product price — add extras yourself.

Default: no. Rare exception: fragile product, heavy use, short manufacturer warranty and a clear contract. Otherwise, keep the discount intact.

Ready to compare this week’s deals?