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Renters insurance is your friend. Might be a good idea to look into, it’s cheap af and covers things like this.
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You do, but its generally a lot less than repairs or a new laptop. I’ll give you my example… My laptop is a 2021 Razer 14 The power port had a broken connector on the inside, and since the way it was made the port was part of the motherboard, the repairs for that power port were going to be over $1700 on a $2300 laptop.
Renters insurance was definitely the less painful option. Just one of those things that may only be useful on rare occasions, but when it is, it really is.
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