There are two types of things:

1. Things that if they are destryed will affect your life. Say your house, car or health. If something happens with this will have a big impact in your life. You will have to consume a big amount of time and resources to recover them. So, I would say to better buy such an insurance.

2. Things which won't affect you if they break. Say headphones, tablets computers. If anything happens with this you can repair them and continue your life. On the long run, you will save more money by repairing these things than buying an insurance for each of them.

When do you buy insurance for you stuff?