Insurance

[ TOC: all blog posts ] When I buy an appliance or tool or electronic gizmo, the cashier often asks if I want insurance. I say no. If I've done my homework, I assume that my purchase is reasonably reliable. I may end up with a lemon, and then I'll need to repurchase, provided I still want the thing. But I assume the company offering insurance has done their homework, and so, odds are, I won't need…