1. The dog ate my smart phone.
In a recent survey of 1,000 parents, half said their kids had damaged a laptop, tablet or smart phone. Pets do their share of mischief, too. Plus, plenty of responsible adults drop a phone or laptop and crack the screen. So if you’re buying a mobile device this holiday season, purchasing an extended warranty or service contract that covers what the industry calls accidental damage from handling (ADH) could be a smart move. It will cover repair or replacement of your device due to mishaps that manufacturers’ warranties typically exclude.